# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-012772
**Filing Date:** 2026-6
**Character Count:** 3878813
**Document Hash:** c46da1773d54668acba11d5fef3ab010
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-012772.hdr.sgml**: 20260612

**ACCESSION NUMBER**: 0001999371-26-012772

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

**PUBLIC DOCUMENT COUNT**: 63

**CONFORMED PERIOD OF REPORT**: 20260612

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

**FILED AS OF DATE**: 20260612

**DATE AS OF CHANGE**: 20260612

**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:** 261087569

**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, <br>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-NQX2</u>

(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, <br>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 [AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E](ex99-1.htm)

99.2 [AMC Data Compare](ex99-2.htm)

99.3 [AMC Exception Report](ex99-3.htm)

99.4 [AMC Rating Agency Grades](ex99-4.htm)

99.5 [AMC Valuation Summary](ex99-5.htm)

99.6 [Clarifii LLC ("Clarifii") Executive Summary](ex99-6.htm)

99.7 [Clarifii Data Compare Report](ex99-7.htm)

99.8 [Clarifii Rating Agency Grades Detail Report](ex99-8.htm)

99.9 [Clarifii Rating Agency Grades Summary Report](ex99-9.htm)

99.10 [Clarifii Valuation Report](ex99-10.htm)

99.11 [Clayton Services LLC ("Clayton") Due Diligence Narrative](ex99-11.htm)

99.12 [Clayton Data Compare](ex99-12.htm)

99.13 [Clayton Exception Report](ex99-13.htm)

99.14 [Clayton Rating Agency Grades](ex99-14.htm)

99.15 [Clayton Valuation Summary](ex99-15.htm)

99.16 [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative](ex99-16.htm)

99.17 [Consolidated Analytics Data Compare](ex99-17.htm)

99.18 [Consolidated Analytics Exception Report](ex99-18.htm)

99.19 [Consolidated Analytics Rating Agency Grades](ex99-19.htm)

99.20 [Consolidated Analytics Valuation Summary](ex99-20.htm)

99.21 [Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative](ex99-21.htm)

99.22 [Covius Tape Compare](ex99-22.htm)

99.23 [Covius Exceptions Report](ex99-23.htm)

99.24 [Covius Grades Report](ex99-24.htm)

99.25 [Covius Valuation Report](ex99-25.htm)

99.26 [Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative](ex99-26.htm)

99.27 [Inglet Blair Data Compare](ex99-27.htm)

99.28 [Inglet Blair Exception Report](ex99-28.htm)

99.29 [Inglet Blair Rating Agency Grades](ex99-29.htm)

99.30 [Inglet Blair Valuation Summary](ex99-30.htm)

99.31 [Inglet Blair Loan Summary](ex99-31.htm)

99.32 [Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative](ex99-32.htm)

99.33 [Maxwell Exceptions Report](ex99-33.htm)

99.34 [Maxwell Grading Report](ex99-34.htm)

99.35 [Maxwell Valuation Report](ex99-35.htm)

99.36 [Maxwell Data Compare Report](ex99-36.htm)

99.37 [Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative](ex99-37.htm)

99.38 [Opus Data Compare](ex99-38.htm)

99.39 [Opus Exception Report](ex99-39.htm)

99.40 [Opus Rating Agency Grades](ex99-40.htm)

99.41 [Opus Valuation Summary](ex99-41.htm)

99.42 [Selene Diligence LLC ("Selene") Due Diligence Narrative](ex99-42.htm)

99.43 [Selene Data Compare Report](ex99-43.htm)

99.44 [Selene Standard Findings Report](ex99-44.htm)

99.45 [Selene Rating Agency Grades Summary Report](ex99-45.htm)

99.46 [Selene Valuation Report](ex99-46.htm)

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | J.P. MORGAN ACCEPTANCE CORPORATION II | J.P. MORGAN ACCEPTANCE CORPORATION II |
|  | (Depositor) | (Depositor) |
| Date: June 12, 2026 |  | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer <br> (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

**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**<br> **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, Suite4002, 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, April 30, 2026 |
| &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;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &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

![](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: | Tim Van Houtte |
| Signature: | /s/ Tim Van Houtte |
| Date: | June 12, 2026 |

---

2 \| P a g e

![](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 January 2025 to May 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 2024 and April 2026.

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

The Review was conducted on three hundred three (303) loans selected by the Client with an aggregate original principal balance of approximately $127.058 million. 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;Borrower Last Name | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Product Description |  |

---

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.

**<u>CREDIT REVIEW (162 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:

3 \| P a g e

![](ex991001.jpg)

(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.

**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

4 \| P a g e

![](ex991001.jpg)

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 (141 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.

**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.

5 \| P a g e

![](ex991001.jpg)

**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.

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

6 \| P a g e

![](ex991001.jpg)

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

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are

7 \| P a g e

![](ex991001.jpg)

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 (162 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.

&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.

8 \| P a g e

![](ex991001.jpg)

&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.

&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;

9 \| P a g e

![](ex991001.jpg)

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;

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

10 \| P a g e

![](ex991001.jpg)

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. |

---

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.

11 \| P a g e

![](ex991001.jpg)

\* 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.

**(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

12 \| P a g e

![](ex991001.jpg)

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;

&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;

13 \| P a g e

![](ex991001.jpg)

&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 (3 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.

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

14 \| P a g e

![](ex991001.jpg)

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 three hundred three (303) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, one hundred ten (110) (36.30%) loans had an overall loan grade of "B". Seventeen (17) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;52 |
| &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;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***101*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**101** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |

---

15 \| P a g e

![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**68** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**171** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred sixty-five (165) loans that had a compliance review performed, under the applicable NRSRO grading criteria, sixty-seven (67) had a Compliance Review "B" grade. Twenty-one (21) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;59.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;67 | &nbsp;&nbsp;40.61% |
| &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 three hundred three (303) loans reviewed, under the applicable NRSRO grading criteria, two (2) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;301 | &nbsp;&nbsp;99.34% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &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 forty-five (245) mortgage loans (80.86%) of the total received an "A" Credit Review grade. The fifty-eight (58) "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;245 | &nbsp;&nbsp;80.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;58 | &nbsp;&nbsp;19.14% |
| &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 three hundred three (303) mortgage loans reviewed, one hundred ninety-seven (197) (65.02%) mortgage loans had tape discrepancies across thirty-four (34) unique data fields. The most common tape discrepancies were Borrower Last Name (39.27%), Borrower First Name (13.20%), and Representative FICO (10.89%). 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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;119 | &nbsp;&nbsp;39.27% |

---

16 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;40 | &nbsp;&nbsp;13.20% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;33 | &nbsp;&nbsp;10.89% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;30 | &nbsp;&nbsp;9.90% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;28 | &nbsp;&nbsp;9.24% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.26% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.27% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.27% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.61% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.61% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.29% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.29% |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.30% |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.30% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.97% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.64% |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.31% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% |

---

**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;Non QM | &nbsp;&nbsp;145 | &nbsp;&nbsp;47.85% | &nbsp;&nbsp;$86805287.00 | &nbsp;&nbsp;68.32% |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;141 | &nbsp;&nbsp;46.53% | &nbsp;&nbsp;$23918453.00 | &nbsp;&nbsp;18.82% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;$5113750.00 | &nbsp;&nbsp;4.02% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% | &nbsp;&nbsp;$5978865.00 | &nbsp;&nbsp;4.71% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;$4187600.00 | &nbsp;&nbsp;3.30% |

---

17 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Exempt from ATR | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;$1053750.00 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &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;297 | &nbsp;&nbsp;98.02% | &nbsp;&nbsp;$125207255.00 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.98% | &nbsp;&nbsp;$1850450.00 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &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;303 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$127057705.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &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;147 | &nbsp;&nbsp;48.51% | &nbsp;&nbsp;$46960666.00 | &nbsp;&nbsp;36.96% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;100 | &nbsp;&nbsp;33.00% | &nbsp;&nbsp;$53271998.00 | &nbsp;&nbsp;41.93% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;10.23% | &nbsp;&nbsp;$12480091.00 | &nbsp;&nbsp;9.82% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;25 | &nbsp;&nbsp;8.25% | &nbsp;&nbsp;$14344950.00 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &nbsp;&nbsp;**100.00%** |
| &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;302 | &nbsp;&nbsp;99.67% | &nbsp;&nbsp;$125995205.00 | &nbsp;&nbsp;99.16% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;$1062500.00 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &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;194 | &nbsp;&nbsp;64.03% | &nbsp;&nbsp;$72121735.00 | &nbsp;&nbsp;56.76% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;52 | &nbsp;&nbsp;17.16% | &nbsp;&nbsp;$37726269.00 | &nbsp;&nbsp;29.69% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;20 | &nbsp;&nbsp;6.60% | &nbsp;&nbsp;$4014649.00 | &nbsp;&nbsp;3.16% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;4.62% | &nbsp;&nbsp;$4320405.00 | &nbsp;&nbsp;3.40% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.30% | &nbsp;&nbsp;$2342150.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;$3119887.00 | &nbsp;&nbsp;2.46% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.32% | &nbsp;&nbsp;$1548760.00 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.66% | &nbsp;&nbsp;$532600.00 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;$161250.00 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;$1170000.00 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &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;Primary | &nbsp;&nbsp;145 | &nbsp;&nbsp;47.85% | &nbsp;&nbsp;$92760752.00 | &nbsp;&nbsp;73.01% |

---

18 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;151 | &nbsp;&nbsp;49.83% | &nbsp;&nbsp;$30823703.00 | &nbsp;&nbsp;24.26% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;$3473250.00 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**303** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$127057705.00** | &nbsp;&nbsp;**100.00%** |

---

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

**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;**Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;49 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;4 &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;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;3 &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;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;2 &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;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;New York Subprime Home Loan Threshold Fixed Non-Compliant | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Interim Closing Disclosure Timing Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Indiana High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &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 Non Escrow Costs Year 1 Underdisclosed - October 2018 | &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;TRID Final Closing Disclosure Will Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow Account | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

19 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Provision) New York Subprime Loan (Escrow Not Established) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;23 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &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;More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue:Insufficient asset documentation. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Miscellaneous Credit (Non-Material): | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &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;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Spousal Consent not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible Property Type per the guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Income Docs Missing: | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Alternative Credit Documentation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

20 \| P a g e

## Exhibit 99.2

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304471386 | Subject Debt Service Coverage Ratio | 1.24 | 1.22 | Verified | Lender included lower tax in PITIA. Title commitment reflects higher tax. |
| 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 |
| 304858930 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865982 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865982 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865982 | Contract Sales Price | xxxx | xxxx | Verified | n/a - refinance |
| 304865982 | Subject Debt Service Coverage Ratio | 1.03 | 1.44 | Verified | Lender used rental income from only Units 1 and 2 for DSCR calculations. Lender Exception in file reflecting Unit 3 is only 250 sq ft and was not used in calculation. |
| 305030649 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030649 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030649 | Original CLTV | 75 | 60 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030649 | Original LTV | 75 | 60 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305043829 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043829 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043829 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043829 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054724 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054724 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054724 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054724 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054724 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054724 | Original CLTV | 80 | 81.04803 | 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) |
| 305054724 | Original LTV | 80 | 81.04803 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054713 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054731 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054731 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054731 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054731 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054731 | Representative FICO | 761 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054722 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054778 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054778 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054778 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054778 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054778 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054762 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054762 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054762 | Representative FICO | 806 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060428 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060428 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060546 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060546 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060449 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305060449 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305060449 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060449 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060449 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060449 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060520 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060520 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060830 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060830 | Original Interest Rate | 7 | 6.75 | Verified | Field Value reflects the Note value |
| 305060830 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060830 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060581 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060581 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060581 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060581 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060581 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060852 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060852 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060852 | Original Interest Rate | 7 | 6.625 | Verified | Field Value reflects the Note value |
| 305060852 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060469 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060551 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060551 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060551 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060886 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060886 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060886 | Original Interest Rate | 7.13 | 7.75 | Verified | Field Value reflects the Note value |
| 305060886 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060886 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060886 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Paying off unseasoned loans not used to acquire the property |
| 305060569 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060569 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060569 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060569 | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 305060569 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060569 | 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 |
| 305060569 | Original CLTV | 70.59 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060569 | Original LTV | 70.59 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060512 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305056829 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305032284 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305032284 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872075 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872075 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872075 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction. |
| 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 |
| 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. |
| 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 |
| 304872066 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872066 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872066 | Representative FICO | 0 | 680 | Verified | Borrower is Foreign National |
| 304872066 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305050357 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 305057944 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305057944 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305057944 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 305057944 | Investor: Qualifying Total Debt Ratio | 44.702 | 33.31299 | Verified | Income and liability values are correct |
| 305059747 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059747 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305072137 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305072116 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305072116 | Original CLTV | 48.78 | 47.61905 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305072116 | Original LTV | 48.78 | 47.61905 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305072116 | Prepayment Terms | 24 Months Interest | 6 Months Interest | Verified | Field Value reflects 'PrePayment Terms' per the Note |
| 305072130 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305072130 | Representative FICO | 672 | 660 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305072130 | Investor: Qualifying Total Debt Ratio | 50 | 35.86763 | Verified | System DTI of 47.42% is exceeding Guideliens DTI of 50% since REO property "xxxx" rental income is qualified as per UW approach but rental amount source document is missing to calculate rent. |
| 305072148 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305072148 | Representative FICO | 734 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305072119 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305072119 | Original Interest Rate | 7.75 | 8.375 | Verified | Field Value reflects the Note value |
| 305072119 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305072119 | Original CLTV | 72.41 | 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) |
| 305072119 | Original LTV | 72.41 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305064076 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064076 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069482 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069482 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305069482 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305069482 | Representative FICO | 809 | 662 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069482 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069482 | Subject Debt Service Coverage Ratio | 1.99 | 2.08 | Verified | Field value reflects source document |
| 305069536 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069536 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069536 | Subject Debt Service Coverage Ratio | 1.79 | 1.62 | Verified | Matches approval. |
| 305069459 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069459 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069459 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305078827 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078837 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078837 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078837 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078837 | Original Interest Rate | 6.875 | 6.625 | Verified | Field Value reflects the Note value |
| 305078837 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078837 | Representative FICO | 725 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078808 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078798 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078798 | Original Interest Rate | 7.625 | 7.5 | Verified | Field Value reflects the Note value |
| 305078798 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078798 | Representative FICO | 714 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078776 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305078776 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078776 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078776 | Representative FICO | 803 | 638 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078806 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078771 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078771 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078771 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305078828 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078828 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073651 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073651 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073651 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073651 | Representative FICO | 725 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078842 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078842 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305078810 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078797 | Original Interest Rate | 7.375 | 7.625 | Verified | Field Value reflects the Note value |
| 305078797 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078773 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078773 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078773 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305078773 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305078773 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078773 | Representative FICO | 803 | 638 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078773 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305078773 | Original CLTV | 63.228 | 69.88353 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305078773 | Original LTV | 63.228 | 69.88353 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305078794 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078774 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078774 | Representative FICO | 803 | 638 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078774 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305078829 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078829 | Representative FICO | 744 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078832 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305078832 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305078832 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078813 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078813 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305078813 | Original Interest Rate | 7.5 | 7.875 | Verified | Field Value reflects the Note value |
| 305078813 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078813 | Representative FICO | 716 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078813 | Original CLTV | 67.954 | 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) |
| 305078813 | Original LTV | 67.954 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305078819 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078819 | Original CLTV | 36.842 | 43.75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305078819 | Original LTV | 36.842 | 43.75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305078800 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305078823 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078823 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078823 | Original Interest Rate | 8.25 | 8.625 | Verified | Field Value reflects the Note value |
| 305078823 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078823 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305078836 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078817 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078817 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305078805 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078805 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078805 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305078790 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078804 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078820 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078830 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078830 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078830 | Representative FICO | 797 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078811 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078811 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305078811 | Original Interest Rate | 7.75 | 7.375 | Verified | Field Value reflects the Note value |
| 305078811 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305078811 | Original CLTV | 75 | 70 | 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) |
| 305078811 | Original LTV | 75 | 70 | Verified | Tape Value reflects the CLTV value |
| 305078792 | Borrower Last Name | xxxx | xxxx | Verified | Same Company Name |
| 305073701 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073701 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073701 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305073701 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069529 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069529 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305074582 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074582 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074582 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305074582 | Subject Debt Service Coverage Ratio | 1.03 | 0.95 | Verified | Lender qualifying P&I does not match with the actual P&I. |
| 305064129 | Original Interest Rate | 6.87 | 6.874 | Verified | Field Value reflects the Note value |
| 305069804 | Original Interest Rate | 8.12 | 8.124 | Verified | Field Value reflects the Note value |
| 305037685 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305037685 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305037685 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037685 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037685 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305069423 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069423 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069500 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069500 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069500 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069500 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069500 | Representative FICO | 818 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069500 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069500 | Original CLTV | 80 | 78.35052 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305069500 | Original LTV | 80 | 78.35052 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305069447 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069447 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069447 | Representative FICO | 798 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069447 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069429 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074590 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074590 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073642 | Representative FICO | 688 | 649 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073642 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073648 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073648 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305073648 | 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 |
| 305073648 | Original CLTV | 80 | 70.22222 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305073648 | Original LTV | 80 | 70.22222 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305073726 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073726 | Representative FICO | 680 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305074576 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073761 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073761 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073761 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305073761 | Representative FICO | 717 | 705 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305074591 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074591 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074591 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305074591 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305074591 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305074591 | 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 |
| 305074591 | Original CLTV | 80 | 77.64706 | 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) |
| 305074591 | Original LTV | 80 | 77.64706 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305073745 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073745 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073745 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073753 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073753 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073753 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305073753 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305073753 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073753 | Subject Debt Service Coverage Ratio | 1.28 | 1.37 | Verified | Lender used a lower rental income. |
| 305069446 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069446 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069446 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069446 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069446 | Representative FICO | 798 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069446 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073754 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073754 | Subject Debt Service Coverage Ratio | 1.51 | 1.35 | Verified | Field value reflects source document |
| 305043826 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043826 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305043826 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 305073656 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305073616 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073616 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073616 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305073616 | Subject Debt Service Coverage Ratio | 2.17 | 2.16 | Verified | Field value reflects source document |
| 305073738 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073738 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073738 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073611 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043848 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043848 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043848 | Representative FICO | 810 | 678 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043848 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305043848 | Original CLTV | 75 | 78.7931 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305043848 | Original LTV | 75 | 78.7931 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305074559 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074559 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074559 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073694 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305071243 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305069453 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069453 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069488 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069488 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069488 | Representative FICO | 748 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069488 | Subject Debt Service Coverage Ratio | 1.79 | 1.81 | Verified | Field value reflects source document |
| 305069445 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069484 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069449 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069449 | Original Interest Rate | 7 | 7.75 | Verified | Field Value reflects the Note value |
| 305069449 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305069442 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305077142 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305077142 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305077142 | Original Interest Rate | 7.62 | 7.624 | Verified | Field Value reflects the Note value |
| 305078477 | Original Interest Rate | 7.61 | 7.613 | Verified | Field Value reflects the Note value |
| 305079785 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305079785 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305069487 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069487 | Representative FICO | 748 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069530 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069530 | Subject Debt Service Coverage Ratio | 1.80 | 1.30 | Verified | Field value reflects source document |
| 305069515 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069515 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069515 | Subject Debt Service Coverage Ratio | 1.62 | 1.68 | Verified | Field value reflects source document |
| 305079778 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305079778 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305079778 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305069795 | 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 |
| 305069795 | Investor: Qualifying Total Debt Ratio | 34.77 | 25.87121 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305057939 | Original Interest Rate | 7.75 | 7.749 | Verified | Field Value reflects the Note value |
| 305069793 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305067104 | Original Interest Rate | 7.87 | 7.874 | Verified | Field Value reflects the Note value |
| 305067104 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305073499 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073499 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073499 | Original Interest Rate | 8.25 | 8.248 | Verified | Field Value reflects the Note value |
| 305076275 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305084603 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 305073679 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073748 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074597 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073671 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073671 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073671 | Representative FICO | 739 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073728 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073728 | Representative FICO | 737 | 702 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305069426 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069426 | Representative FICO | 771 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073645 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069413 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073693 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305036832 | Investor: Qualifying Total Debt Ratio | 40.9325 | 44.34814 | Verified | Field Value DTI matches the DTI on the 1008. |
| 305059590 | Investor: Qualifying Total Debt Ratio | 49.8843 | 45.63078 | Verified | Per AUS DTI is 49.94% and calculated DTI is 45.63% due to the taxes of $xxxx per the first payment letter and 1003. AUS/1008 state taxes of $xxxx. |
| 305069494 | Subject Debt Service Coverage Ratio | 1.66 | 1.59 | Verified | Field value reflects source document |
| 305045599 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305045599 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305066392 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305066392 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305066478 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305066653 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305066653 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305066653 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305066653 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305066653 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305066653 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305062155 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305074596 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074596 | Subject Debt Service Coverage Ratio | 1.30 | 1.45 | Verified | Field value reflects source document |
| 305073731 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074568 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074568 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305074568 | Subject Debt Service Coverage Ratio | 1.34 | 1.43 | Verified | PITIA & Monthly rental income updated correctly from provided document. |
| 305073743 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073743 | Original CLTV | 75 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305073743 | Original LTV | 75 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305073743 | Subject Debt Service Coverage Ratio | 2.04 | 1.86 | Verified | Field value reflects source document |
| 305074587 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073688 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073742 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073742 | Original CLTV | 74.42 | 76.74419 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305073742 | Original LTV | 74.42 | 76.74419 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305073742 | Subject Debt Service Coverage Ratio | 2.02 | 1.93 | Verified | Field value reflects source document |
| 305080621 | Investor: Qualifying Total Debt Ratio | 7.29 | 10.96883 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305073610 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073610 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305088113 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305096884 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305096884 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305096884 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305096884 | Original CLTV | 73.1 | 89.875 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305096884 | Original LTV | 73.1 | 89.875 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305079788 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305066506 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305077779 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305077779 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305077779 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305077779 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305055868 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305057775 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305057775 | Original Interest Rate | 7.75 | 6.75 | Verified | Field Value reflects the Note value |
| 305057775 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305057775 | Original CLTV | 80 | 64 | 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) |
| 305057775 | Original LTV | 80 | 64 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305057775 | Investor: Qualifying Total Debt Ratio | 37.2731 | 27.10375 | Verified | Field Value DTI is within tolerance of 1008 DTI of 28.575%. |
| 305057775 | Decision System | DU |  | Verified | Field value reflects source document |
| 305067419 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305067419 | Decision System |  |  | Verified | Field value reflects source document |
| 305061651 | Investor: Qualifying Total Debt Ratio | 8.1102 | 18.96941 | Verified | Field Value DTI matches 1008 DTI. |
| 305061651 | Decision System | DU |  | Verified | Field value reflects source document |
| 305064624 | Investor: Qualifying Total Debt Ratio | 29.2717 | 36.13002 | Verified | Calculated income with March 2026 statement. Lender started with February 2026 so the income is slightly difference but still within tolerance of the Lenders DTI of 35.684%. |
| 305062595 | Investor: Qualifying Total Debt Ratio | 12.8634 | 27.19584 | Verified | Per 1008 DTI is 27.196% and calculated DTI is 27.196% |
| 305066788 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305066788 | Representative FICO | 809 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305066788 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305078718 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305078718 | Investor: Qualifying Total Debt Ratio | 32.4881 | 23.09378 | Verified | Per 1008 DTI is 23.092% and calculated DTI is 23.093% |
| 305060617 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305088173 | Investor: Qualifying Total Debt Ratio | 38.7806 | 47.02391 | Verified | Per 1008 DTI is 47.83.8% and calculated DTI is 47.024% due to the REO xxxx PITIA $xxxx vs 1003 of $xxxx. |
| 305078273 | Representative FICO | 784 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305083132 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305083132 | Investor: Qualifying Total Debt Ratio | 34.879 | 39.89916 | Verified | Field Value DTI is within tolerance of 1008 DTI 39.930. |
| 305079248 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305070008 | Original CLTV | 75 | 69.0184 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305070008 | Original LTV | 75 | 69.0184 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305082962 | Representative FICO | 777 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 305088347 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305070090 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305070090 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305070090 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 305082807 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305082807 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305082807 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 305066335 | Investor: Qualifying Housing Ratio | 18.843 | 15.84253 | Verified | Field value reflects source document |
| 305066338 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305066338 | Representative FICO | 665 | 661 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305066338 | Investor: Qualifying Housing Ratio | 48.528 | 36.12401 | Verified | Field value reflects source document |
| 305066325 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305066325 | Investor: Qualifying Housing Ratio | 45.626 | 43.41324 | Verified | Field value reflects source document |
| 305066336 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 305066336 | Investor: Qualifying Housing Ratio | 20.802 | 5.8723 | Verified | Field value reflects source document |
| 305066331 | Investor: Qualifying Housing Ratio | 32.93 | 9.1075 | Verified | Field value reflects source document |
| 305066328 | Investor: Qualifying Housing Ratio | 21.1 | 16.80369 | Verified | Field value reflects source document |
| 305066319 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305066319 | Investor: Qualifying Housing Ratio | 34.397 | 22.83159 | Verified | Field value reflects source document |
| 305066344 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 305066344 | Investor: Qualifying Housing Ratio | 32.856 | 24.15701 | Verified | Field value reflects source document |
| 305066312 | Investor: Qualifying Housing Ratio | 25.006 | 16.52226 | Verified | Field value reflects source document |
| 305066311 | Investor: Qualifying Housing Ratio | 28.143 | 25.08726 | Verified | Field value reflects source document |
| 305066315 | Coborrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| 305066314 | Coborrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| 305066330 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305066662 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305066662 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305066350 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305066350 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305066350 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305066350 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305088845 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 304872090 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304872099 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872099 | Representative FICO | 752 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304872096 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872096 | Subject Debt Service Coverage Ratio | 1.25 | 1.42 | Verified | Lower rent amount used by lender for DSCR |
| 304865931 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865931 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866346 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865584 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865584 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865584 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction |
| 304872059 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872059 | Representative FICO | 668 | 672 | Verified | The highest MID-FICO score used. |
| 305087622 | MERS Min Number | xxxx | xxxx | Verified | Field value reflects source document |
| 305092206 | MERS Min Number | xxxx | xxxx | Verified | Field value reflects source document |

---

## Exhibit 99.3

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 304477102 | 32613759 |  | 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 |  | MD | 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 |
| 304477102 | 32613762 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304477102 | 32613763 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 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 |
| 304692499 | 33562360 |  | 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 $1,200.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304692499 | 33562361 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304692499 | 33562362 |  | 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 | 06/09/2025 |  |  | 1 C A |  | OH | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304692499 | 33605536 |  | 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 APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 A |  | OH | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 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 |
| 304765323 | 34296604 |  | 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 |  | MN | 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 |
| 304767201 | 34514793 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  |  | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/03/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304767201 | 34514794 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject property square footage 408 is less than guideline required 500. Comparable factors are FICO 741 and assets to be documents with 12 months reserves. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304767206 | 34735857 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested for property appraisal report expires on xx/xx/xxxx. Approved 10-day extension with new expiry date xx/xx/xxxx. Loan must be closed by xx/xx/xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 304858930 | 35265035 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 304858930 | 35265036 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 304865982 | 35292373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception at originations to allow more than $xxxx aggregate with a maximum of 10 loans for each individual borrower and to allow units with less than 400 sq feet per individual unit for 2-8 unit properties. Unit 3 has only 250 sq ft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 347.34<br> Guideline Requirement: 0.00 | Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305030649 | 35823434 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305043829 | 35821148 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305054724 | 35925085 |  | 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 | 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 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. | 30.23 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/10/2026 | 2 C B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 305054731 | 35925901 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>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. | 73.65 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054722 | 35945729 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 305054722 | 35945766 |  | 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 |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 305054778 | 35849501 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 305054778 | 35858282 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 305054762 | 35964508 |  | 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 | The representative FICO score exceeds the guideline minimum by at least 40 points. | 777 FICO | SitusAMC,Aggregator | xxxx |  |  | 04/18/2026 | 2 C B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304825011 | 35850607 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304825011 | 35850608 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 01/16/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305050108 | 35866149 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | MS | Investment | Purchase | C B A | N/A | N/A | No |
| 305050108 | 35866370 |  | 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 $1000.00 (2026). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2026) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MS | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 305051410 | 35917535 |  | 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 | 04/30/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305051410 | 35917536 |  | 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 | 04/30/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305051410 | 35917537 |  | 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 $2,054,149.73 is under disclosed by $389.37 compared to the calculated total of payments of $2,054,539.10 which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx | 04/30/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | Non QM | Non QM | Yes |
| 305060428 | 36045341 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | xxxx | 04/14/2026 |  |  | 1 D A |  | MI | Investment | Purchase | D B C A |  | N/A | No |
| 305060428 | 36047996 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | xxxx |  |  |  | xxxx | 04/14/2026 |  |  | 1 C A |  | MI | Investment | Purchase | D B C A |  | N/A | No |
| 305060428 | 36049254 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note and Security Instrument incorrectly spelled xxxx as xxxx. |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | MI | Investment | Purchase | D B C A |  | N/A | No |
| 305060428 | 36284237 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | 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.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 87 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/27/2026 | 2 B |  | MI | Investment | Purchase | D B C A |  | N/A | No |
| 305060546 | 35953832 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 27 months reserves | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 05/05/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060449 | 35968104 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305060520 | 35957340 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  | 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. | 183 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 04/30/2026 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 305060581 | 36009618 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 103 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 04/06/2026 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305060852 | 36100842 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| 305060469 | 35964806 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305060469 | 35964876 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305060886 | 36115832 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 04/14/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060886 | 36117435 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060886 | 36117437 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060569 | 36047548 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/13/2026 |  |  | 1 B A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060569 | 36047660 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 3,070 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060569 | 36049205 |  | 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 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 3,070 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060512 | 36126924 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305056829 | 35940662 |  | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | 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 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. | 35.50969% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/07/2026 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305056829 | 35940667 |  | 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 | 03/04/2026 |  |  | 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 | Non QM | Non QM | Yes |
| 305032284 | 35940646 |  | 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 the greater of .00000% of the Federal Total Loan Amount and $xxxx (2026). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (2026) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | 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 |
| 305032284 | 35940647 |  | 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 |  | 03/13/2026 |  | 2 C B |  | MI | 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 |
| 304872095 | 35940323 |  | 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 APR and was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx |  |  |  | 2 C B |  | WA | Second Home | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Exempt from ATR | Exempt from ATR | No |
| 304872095 | 35940324 |  | 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 Origination Fee. Fee Amount of $1,745.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  |  |  | 2 C B |  | WA | 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 | Exempt from ATR | Exempt from ATR | Yes |
| 304872095 | 35940325 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification that the tax preparer/CPA is duly licensed or certified. |  |  |  | xxxx | 04/04/2025 |  |  | 1 C A |  | WA | Second Home | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872075 | 35940358 |  | 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 |
| 304872075 | 35940359 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Articles of organization for xxxx. |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | 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 |
| 304872071 | 35940461 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow for co-borrower to not verify housing. Co-borrower pays rent to the borrower in cash and by xxxx. | 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. | Debt Service Coverage Ratio: 1.80<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 714 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 08/18/2025 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940462 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for more than 10 loans active in the pipeline (18 loans total). | 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: 660<br> Representative FICO: 714<br>Debt Service Coverage Ratio: 1.80<br> Guideline Requirement: 1.00 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 08/18/2025 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940463 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a transferred appraisal without an AMC. | 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. | Debt Service Coverage Ratio: 1.80<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 714 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 08/18/2025 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940464 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC reports for the domestic and foreign business entities. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940465 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 B A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940466 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872071 | 35940467 |  | 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 | 08/21/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305050357 | 35997226 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 305050357 | 36009663 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305050357 | 36009664 |  | 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 | 04/10/2026 |  |  | 1 B A C |  | LA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305050357 | 36009665 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305057944 | 35999276 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305057944 | 35999310 |  | 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 | 04/27/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305057944 | 35999311 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305057944 | 35999312 |  | 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 | 04/27/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305057944 | 35999313 |  | 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 |  | WA | 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 |
| 305057944 | 35999316 |  | 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 $4,099.31 exceeds tolerance of $1,025.00 plus 10% or $1,127.50. $2,971.81 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | WA | 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 |
| 305057944 | 35999317 |  | 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 $7,513.32 exceeds tolerance of $2,583.00. $4,930.32 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | WA | 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 |
| 305057944 | 36068624 |  | 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 $4,099.31 exceeds tolerance of $3,496.00 plus 10% or $3,845.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/16/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063761 | 36046688 |  | Credit | Guideline | Guideline Issue | Guideline | The Subject Property was listed for sale at the time of loan application and the file does not contain evidence the property was taken off the market on or before the loan disbursed. |  | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305063761 | 36051882 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305059747 | 36063118 |  | 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 |  | 04/27/2026 |  | 2 C B |  | MN | 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 |
| 305059747 | 36063275 |  | 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 |  | MN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305059747 | 36066442 |  | 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 |  | MN | 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 |
| 305034663 | 36073032 |  | 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 | 03/24/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305034663 | 36073033 |  | 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 | 03/24/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305034663 | 36073034 |  | 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 | 03/24/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305034663 | 36073035 |  | 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 | 03/24/2026 |  |  | 1 C A |  | IN | 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 |
| 305034663 | 36073036 |  | 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 | 03/24/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305034663 | 36073037 |  | 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 |  | IN | 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 |
| 305034663 | 36073040 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Indiana High-Cost Loan (Assignee Disclosure Not Provided) | Indiana High-Cost Loan: Assignee disclosure not provided to purchaser or assignee of high-cost loan. |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | See any available cure under the Indiana High-Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 305034663 | 36073041 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Indiana High-Cost Loan (Counseling Disclosure Not Provided) | Indiana High-Cost Loan: Borrower not provided with information to facilitate contact with a nonprofit counseling agency certified by HUD or Indiana Dept. of Commerce. |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | See any available cure under the Indiana High-Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 305034663 | 36073042 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Indiana High-Cost Loan (Impermissible Financing of Points and Fees) | Indiana High-Cost Loan: Impermissible financing of points and fees on high-cost loan. |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | See any available cure under the Indiana High-Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 305034663 | 36073043 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Indiana High-Cost Loan (High Cost Disclosure Not on Security Instrument) | Indiana High-Cost Loan: High-cost disclosure not displayed on mortgage or deed of trust. |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | See any available cure under the Indiana High-Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 305034663 | 36073044 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Indiana High-Cost Loan (Points and Fees) | Indiana Home Loan Protection Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. Points and Fees total $xxxx on an Original Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx |  | 04/28/2026 |  | 2 C B |  | IN | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days after loan closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). While the cure provisions require the adjustments and restitution to be made within 90 days, the borrower must to be notified of this action no later than 120 days. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 305034663 | 36073045 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Indiana High-Cost Loan (Notice to Borrower Not Provided) | Indiana High-Cost Loan: "Notice To Borrower" not provided to borrower. |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | See any available cure under the Indiana High-Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 305056376 | 36071082 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<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's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | Good credit and employment history. Excellent reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/16/2026 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305046128 | 36074217 |  | 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 | 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 |
| 305072137 | 36213197 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | 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%. | 94.59 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 04/03/2026 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305072130 | 36211861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | NH | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 305072148 | 36118994 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305072148 | 36119000 |  | 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 |
| 305072128 | 36191424 |  | 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 | 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 |
| 305072128 | 36197420 |  | 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 Management Company (Appraisal Review). Fee Amount of $210.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/31/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305072119 | 36166303 |  | 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 |  | CA | 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 |
| 305072119 | 36178127 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower has worked in the same position for more than 3 years.<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. | Borrower has been self-employed for 25 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/07/2026 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064076 | 36081524 |  | 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 | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064076 | 36082199 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The representative FICO score is above 680.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Good credit and employment history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064076 | 36086448 |  | 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 |  | CO | 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 |
| 305064076 | 36086449 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/23/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 305065881 | 36079763 |  | 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 $96.26 exceeds tolerance of $93.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/17/2026 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305065881 | 36079764 |  | 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 HOA/Condo Questionnaire. Fee Amount of $201.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/17/2026 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305065881 | 36079765 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | AZ | 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 B | Non QM | Non QM | Yes |
| 305067575 | 36099100 |  | 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 |
| 305067575 | 36099267 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305067575 | 36099289 |  | 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 | 04/08/2026 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305067575 | 36099290 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305063764 | 36104527 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305063764 | 36104531 |  | 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 $219.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063764 | 36104533 |  | 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 $1,914.00 exceeds tolerance of $1,804.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063764 | 36104553 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 03/24/2026 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305063764 | 36104560 |  | 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 | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305069536 | 36118854 |  | 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 monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 785 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/19/2026 | 2 C B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 305069459 | 36128727 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305078806 | 36200294 |  | 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 |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 305078806 | 36200412 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/27/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 305078828 | 36230570 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception due to the guarantor not meeting the tradeline requirement. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DSCR of 1.76, minimum required is 1.0. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/03/2026 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 305078842 | 36167130 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 305078842 | 36167131 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 305078830 | 36254806 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/11/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305078830 | 36258155 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 04/11/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305073701 | 36126838 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrower has owned the subject property for at least 5 years. | $23,103.28 in reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 04/21/2026 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305056904 | 36144971 |  | 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 $124.75 exceeds tolerance of $25.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | NE | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305056904 | 36145537 |  | 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 $665.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | NE | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305056904 | 36148382 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 C A |  | NE | Primary | Purchase | C A | Non QM | Non QM | No |
| 305069982 | 36144804 |  | 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 $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305069982 | 36144843 |  | 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 |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305069982 | 36145488 |  | 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 |  | OR | 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 |
| 305074582 | 36169109 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 56 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/19/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305064129 | 36169382 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Amount Borrowed Inaccurate > $100) | High-Cost Mortgage (Dodd-Frank 2014) Non-Compliant: HOEPA Disclosure reflects 'Amount Borrowed' outside of $100.00 tolerance. | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064129 | 36169383 |  | 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 | 04/09/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064129 | 36169384 |  | 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 | 04/09/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064129 | 36169385 |  | 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 | 04/09/2026 |  |  | 1 C A |  | DE | 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 |
| 305064129 | 36169386 |  | 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 | 04/09/2026 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305064129 | 36169390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 2 C B |  | DE | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 305064129 | 36169391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 2 C B |  | DE | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 305064129 | 36169393 |  | 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 |  | 04/02/2026 |  | 2 C B |  | DE | 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 | Non QM | Non QM | Yes |
| 305064129 | 36169394 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 2 C B |  | DE | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 305064129 | 36169395 |  | 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 |  | 04/02/2026 |  | 2 C B |  | DE | 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 | Non QM | Non QM | Yes |
| 305064129 | 36169396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Monthly Escrow Payment. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 1 A |  | DE | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 305064129 | 36169397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 2 C B |  | DE | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 305064129 | 36169398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 04/02/2026 |  | 2 C B |  | DE | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 305064129 | 36179963 |  | 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 |  | DE | 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 |
| 305069804 | 36170489 |  | 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 |  | KY | 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 |
| 305069500 | 36177068 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to allow the aged felony reported in the background criminal record. |  |  |  | xxxx | 04/18/2026 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305069447 | 36179421 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305073761 | 36192665 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The DSCR of 1.35 is greater than the minimum required DSCR of 1.0. | Aggregator<br>SitusAMC | xxxx |  |  | 03/31/2026 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305034597 | 36191834 |  | 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 $5,720.20 exceeds tolerance of $0.00. $5,720.20 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/29/2026 |  |  | 1 C A |  | MI | 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 |
| 305034597 | 36191835 |  | 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 Credit Report Fee. Fee Amount of $101.62 exceeds tolerance of $98.00. $3.62 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | MI | 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 |
| 305034597 | 36361283 |  | 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 $101.62 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/29/2026 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305073745 | 36203137 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 305073745 | 36203140 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 305069446 | 36201183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject Property Value is less than the minimum requirement of $75,000 which was approved by the lender. | 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 guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 1.55 DSCR, min required is 1.0. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/01/2026 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305069446 | 36201190 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | 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 guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 1.55 DSCR, min required is 1.0. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/19/2026 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305069446 | 36208101 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305043826 | 36204444 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 13.93 months reserves | SitusAMC,Aggregator | xxxx |  |  | 04/06/2026 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305073498 | 36215676 |  | 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 |  | PA | 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 |
| 305076242 | 36222061 |  | 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 | 04/06/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305076242 | 36222062 |  | 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 | 04/06/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305076242 | 36222179 |  | 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 |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305069570 | 36222739 |  | 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 |  | MI | 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 |
| 305071243 | 36221920 |  | 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 |  | 04/14/2026 |  | 2 C B |  | KY | 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 |
| 305071243 | 36221921 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  | 04/27/2026 |  | 2 C B |  | KY | 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 |
| 305059681 | 36222232 |  | 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 $200.00 exceeds tolerance of $116.00 plus 10% or $127.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305071240 | 36221274 |  | 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 Verification Of Employment Fee. Fee Amount of $147.63 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/03/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305071240 | 36231075 |  | 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 |
| 305064039 | 36222543 |  | 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 | 04/06/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305064039 | 36222544 |  | 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 | 04/06/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305069453 | 36234922 |  | 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 monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 815 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/19/2026 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 305077142 | 36246149 |  | 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 |  | CA | 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 |
| 305076240 | 36236180 |  | 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 |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305076240 | 36236252 |  | 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 $153.00 exceeds tolerance of $123.00 plus 10% or $135.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/06/2026 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305076240 | 36236253 |  | 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 $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/06/2026 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305076240 | 36236263 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 305076240 | 36246152 |  | 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 |
| 305076240 | 36246154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | xxxx | 04/13/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305069556 | 36235155 |  | 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 | 04/08/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305069556 | 36235156 |  | 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 | 04/08/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305069556 | 36235157 |  | 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 |  | SC | Primary | Refinance - Rate/Term | 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 |
| 305078477 | 36234436 |  | 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 |  | SC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305078477 | 36246160 |  | 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 |  | SC | 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 |
| 305072100 | 36235037 |  | 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 Electronic Document Delivery Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/06/2026 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305072100 | 36246167 |  | 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 |  | AZ | 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 |
| 305080624 | 36251813 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
| 305067571 | 36249914 |  | 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 |  | MD | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305067571 | 36249962 |  | 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 |  | MD | Primary | Refinance - Rate/Term | 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 |
| 305067571 | 36249965 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | No obvious cure C B A | Non QM | Non QM | No |
| 305067571 | 36249966 |  | 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 $228.00 exceeds tolerance of $108.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/07/2026 |  | 1 A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305074657 | 36249745 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305074657 | 36249791 |  | 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 |  | CT | 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 |
| 305074657 | 36249796 |  | 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 $128.68 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/07/2026 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305065868 | 36249606 |  | 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 - 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 |
| 305069795 | 36254769 |  | 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 |  | MA | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305057939 | 36255697 |  | 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 $850.00 exceeds tolerance of $129.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | NH | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305074650 | 36255599 |  | 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 $137.55 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305074650 | 36255600 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305082989 | 36261997 |  | 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 |  | TX | 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 |
| 305082989 | 36262000 |  | 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 $285.77 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305069793 | 36261757 |  | 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 $1000.00 (2026). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2026) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 305069793 | 36261840 |  | 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 | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 305069793 | 36261850 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/15/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 305067104 | 36261086 |  | 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 |  | CA | Primary | Refinance - Rate/Term | 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 |
| 305067104 | 36261090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 305067104 | 36261091 |  | 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 $349.00 exceeds tolerance of $254.00 plus 10% or $279.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305079856 | 36262653 |  | 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 $230.28 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305079856 | 36262687 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/15/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305079856 | 36262701 |  | 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 | 04/15/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305079856 | 36262702 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/15/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305076275 | 36268730 |  | 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 $404.53 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/10/2026 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305084671 | 36273092 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305084671 | 36273096 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305084671 | 36273112 |  | 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 | 04/16/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305084671 | 36273113 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305084671 | 36275516 |  | 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 |  | TX | 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 |
| 305082998 | 36274102 |  | 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 | 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 |
| 305082998 | 36274105 |  | 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 $354.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/13/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305076215 | 36273459 |  | 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 |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305076215 | 36273467 |  | 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 |  | AL | 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 |
| 305076215 | 36273470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/15/2026 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 305033587 | 36285805 |  | 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 | 04/28/2026 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 305033587 | 36285806 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305033587 | 36285808 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305033587 | 36285812 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 04/28/2026 |  |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305033587 | 36357941 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | VVOE was obtained post closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<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. | 39 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/28/2026 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305085982 | 36285531 |  | 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 |  | 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 |
| 305096826 | 36294594 |  | 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. B A | Non QM | Non QM | Yes |
| 305079854 | 36294782 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  |  | xxxx | 04/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C A | Non QM | Non QM | Yes |
| 305079854 | 36294783 |  | 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 | 04/23/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 305079854 | 36294787 |  | 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 $313.00 exceeds tolerance of $280.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/16/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305036832 | 36290834 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305036832 | 36290835 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305036832 | 36290837 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305059590 | 36291029 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305059590 | 36291032 |  | 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 $930.00 exceeds tolerance of $625.00. $305.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305059590 | 36291035 |  | 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 $930.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305057776 | 36291273 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305057776 | 36291275 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305057776 | 36291276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305057776 | 36291278 |  | 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 $18,425.45 exceeds tolerance of $13,161.00. $5,264.45 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305057776 | 36291279 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305083144 | 36301730 |  | 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 |  | TX | 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 |
| 305060987 | 36310259 |  | 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 |  | CO | 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 |
| 305086382 | 36309997 |  | 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 |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305086382 | 36310039 |  | 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 |  | OH | 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 |
| 305086382 | 36310040 |  | 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 $264.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305086382 | 36310041 |  | 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 $185.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/20/2026 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063368 | 36307635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 305063368 | 36307637 |  | 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 Credit Report Fee. Fee Amount of $221.02 exceeds tolerance of $200.00. $21.02 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 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 A | Non QM | Non QM | Yes |
| 305063368 | 36307654 |  | 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 TX Guaranty Fee. Fee Amount of $5.00 exceeds tolerance of $4.00. $1.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/29/2026 |  |  | 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 A | Non QM | Non QM | Yes |
| 305063368 | 36361290 |  | 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 $221.02 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/29/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305045599 | 36307487 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | xxxx | 02/18/2026 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307488 |  | 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 | 02/19/2026 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305045599 | 36307489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307490 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307491 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307492 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter for Schedule C income for income used to qualify is dated xx/xx/xxxx, which is more than 60 days prior to the note date. |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307493 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter for Schedule C income for income used to qualify is dated xx/xx/xxxx, which is more than 60 days prior to the note date. |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305045599 | 36307494 |  | 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 | 02/18/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066478 | 36307524 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 305062155 | 36309715 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 305062155 | 36309716 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 305062155 | 36309717 |  | 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 | 03/10/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305062155 | 36309718 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 305062155 | 36309721 |  | 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 | 03/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 305062155 | 36309722 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 305073731 | 36321666 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | xxxx | 04/23/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305074568 | 36326217 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 04/23/2026 |  |  | 1 C A |  | AL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305080621 | 36322122 |  | 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 |  | NC | 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 |
| 305080621 | 36322139 |  | 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 |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305080621 | 36322153 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 04/24/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305080621 | 36322189 |  | 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 | 04/24/2026 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305080621 | 36322190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/24/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305078712 | 36323286 |  | 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 |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305088282 | 36324789 |  | 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 |  | ME | 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 |
| 305088282 | 36324793 |  | 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 $875.00 exceeds tolerance of $825.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/22/2026 |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305087676 | 36328129 |  | 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 $291.10 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/23/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305088424 | 36340073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305088424 | 36341377 |  | 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 |  | OH | 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 |
| 305078909 | 36335800 |  | 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 |  | NJ | 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 |
| 305086380 | 36335107 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | 211 months reserves. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | xxxx |  |  | 05/05/2026 | 2 C B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305086380 | 36335126 |  | 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 |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305086380 | 36336746 |  | 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 HOA/Condo Questionnaire. Fee Amount of $420.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/24/2026 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305088113 | 36335024 |  | 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 |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305088422 | 36336241 |  | 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 |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305091378 | 36344554 |  | 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 |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305091378 | 36345815 |  | 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 $111.24 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/27/2026 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305096884 | 36345863 |  | 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 |  | OK | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305096884 | 36345941 |  | 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 B A | Non QM | Non QM | No |
| 305096884 | 36351126 |  | 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 |  | OK | 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 |
| 305096884 | 36351127 |  | 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 $178.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/27/2026 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305096884 | 36351128 |  | 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 $153.80 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/27/2026 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305091027 | 36346481 |  | 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 $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/27/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305091027 | 36346535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305091027 | 36352278 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305091027 | 36352279 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305091027 | 36352281 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/28/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305079788 | 36345933 |  | 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 $388.50 exceeds tolerance of $301.00 plus 10% or $331.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/27/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305094988 | 36345343 |  | 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 |  | NY | 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 |
| 305077104 | 36345975 |  | 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 |
| 305077104 | 36347162 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is zoned agricultural | 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.<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 | xxxx |  |  | 04/27/2026 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 305094925 | 36345361 |  | 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 |  | MT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305087059 | 36354990 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 305087059 | 36354991 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 305087059 | 36354992 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is in excess of allowable threshold of Prime Mortgage Market Rate xxxx + 1.75%, or xxxx%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. B | Non QM | Non QM | Yes |
| 305088248 | 36371213 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305088248 | 36371225 |  | 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 | 05/07/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305088248 | 36371226 |  | 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 $575.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/30/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305088248 | 36371704 |  | 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 |  | CA | 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 |
| 305076289 | 36372974 |  | 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 |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305076289 | 36373954 |  | 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 |  | NJ | 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 |
| 305094538 | 36391493 |  | 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 $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/04/2026 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 305094538 | 36401395 |  | 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 |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. A B | Non QM | Non QM | Yes |
| 305091165 | 36408158 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 05/07/2026 |  |  | 1 B A |  | IA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 305091165 | 36408243 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/08/2026 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Non QM | Non QM | No |
| 305091165 | 36408244 |  | 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 $720.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/06/2026 |  | 1 A |  | IA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| 305101555 | 36416348 |  | 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 |  | AR | 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 |
| 305101555 | 36416375 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305101555 | 36417032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/12/2026 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 305066506 | 36416261 |  | 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 | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416262 |  | 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 | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416263 |  | 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 | 04/03/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416264 |  | 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 | 04/03/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416265 |  | 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 | 04/03/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416268 |  | 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 | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416269 |  | 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 |  |  |  | xxxx | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416270 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  | xxxx | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066506 | 36416272 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | xxxx | 04/03/2026 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305077779 | 36416277 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 03/26/2026 |  |  | 1 B A |  | MO | Primary | Purchase | B A | Non QM | Non QM | No |
| 305099175 | 36425105 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| 305099175 | 36425106 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. B A | Non QM | Non QM | Yes |
| 305099175 | 36425107 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is in excess of allowable threshold of Prime Mortgage Market Rate xxxx + 1.75%, or xxxx%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. B | Non QM | Non QM | Yes |
| 305099175 | 36425108 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| 305100592 | 36425863 |  | 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 |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305086802 | 36453047 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305086802 | 36453048 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305086802 | 36453052 |  | 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 |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305055868 | 36442873 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055868 | 36442877 |  | 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 | 04/02/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305055868 | 36442878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055868 | 36442879 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: County was not provided |  | xxxx |  |  |  | xxxx | 04/13/2026 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305057775 | 36442921 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 D A |  | NC | Investment | Purchase | D A | N/A | N/A | No |
| 305067419 | 36442983 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 03/26/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 305067419 | 36442985 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 305067419 | 36442986 |  | 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 | 04/20/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305067419 | 36442987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061747 | 36443032 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061747 | 36443035 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. Compliance related. |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061747 | 36443036 |  | 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 | 03/27/2026 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305061747 | 36443037 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061747 | 36443038 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061747 | 36443039 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has greater than 1x30 mortgage late and not allowable per guidelines. |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443082 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443084 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Per guidelines, Borrowers must have been self-employed for at least two years in the same business verified via a CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent. The file was missing copy of CPA Letter to confirm the business ownership. Unable to ascertain percentage ownership verbiage in the 40 page franchise agreement provided. |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443085 |  | 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 | 04/07/2026 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305061651 | 36443086 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443089 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | xxxx |  |  |  | xxxx | 04/14/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443090 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443091 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided |  | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061651 | 36443092 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305064624 | 36443145 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305064624 | 36443146 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305064624 | 36443147 |  | 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 Credit Report Fee. Fee Amount of $71.00 exceeds tolerance of $61.00. $10.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/13/2026 |  | 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 |
| 305064624 | 36443148 |  | 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 Electronic Document Delivery Fee. Fee Amount of $129.00 exceeds tolerance of $0.00. $129.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/13/2026 |  | 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 |
| 305062595 | 36443166 |  | 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 $1,024.50 exceeds tolerance of $700.00 plus 10% or $770.00. $254.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/09/2026 |  | 2 C B |  | WA | 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 |
| 305062595 | 36443167 |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305062595 | 36443168 |  | 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 | 04/06/2026 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305062595 | 36443169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305077169 | 36443195 |  | 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 $154.40 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/31/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305077169 | 36443197 |  | 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 | 04/21/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305077169 | 36443198 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/21/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066788 | 36443203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 A |  | MO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 305066788 | 36443204 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 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> • CPA/Tax Preparer letter confirming the business is active and operating<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts/recent bank statement activity<br> • Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066788 | 36443206 |  | 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 | 04/08/2026 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305066788 | 36443207 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066788 | 36443208 |  | Credit | Insurance | Insurance Documentation | Insurance | Mortgage Insurance Certificate is missing. |  | xxxx |  |  |  | xxxx | 04/17/2026 |  |  | 1 A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066788 | 36443209 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Mortgage type discrepancy. |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 305077158 | 36443240 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305077158 | 36443241 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Telephone Listing / Internet Search / Directory Assistance not provided within 10 business days of the note date.<br>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> • CPA/Tax Preparer letter confirming the business is active and operating <br> • Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts/recent bank statement activity <br> • Business website demonstrating activity supporting current business operations <br> (e.g., recently updated content or announcements, written confirmation from the <br> lender that online scheduling, ordering or the business phone number is working). |  |  |  | xxxx | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305077158 | 36443247 |  | 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 | 04/14/2026 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305077158 | 36443248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/14/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305077158 | 36443249 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 04/24/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305070097 | 36443273 |  | 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 | 04/09/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305070097 | 36443275 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.81908% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305070097 | 36443276 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305070097 | 36443278 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/09/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443280 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443281 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443283 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443284 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443285 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443286 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443287 |  | 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 | 04/10/2026 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305078718 | 36443288 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/10/2026 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305078718 | 36443290 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | xxxx | 04/10/2026 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305060617 | 36443326 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 04/24/2026 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305088173 | 36443367 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 B A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088173 | 36443368 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 04/16/2026 |  |  | 1 A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088173 | 36443369 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305079250 | 36443384 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305078273 | 36443409 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 305078273 | 36443410 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 305078273 | 36443411 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/17/2026 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 305078273 | 36443412 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a business narrative from the borrower as per guidelines. |  |  |  | xxxx | 04/16/2026 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 305083132 | 36443454 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/21/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305083132 | 36443457 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305079248 | 36443479 |  | 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 | 04/20/2026 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 305070008 | 36443494 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 04/22/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 305070008 | 36443496 |  | 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 $1000.00 (2026). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2026) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 04/16/2026 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 305082962 | 36443507 |  | 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 $785.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305082962 | 36443508 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 04/23/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088347 | 36443530 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | xxxx | 04/23/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | 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 |
| 305088347 | 36443532 |  | 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 |  |  | 04/28/2026 | 2 B |  | GA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305070090 | 36443623 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 03/20/2026 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305070090 | 36443624 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 03/20/2026 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305070090 | 36443626 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 04/20/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305070090 | 36443627 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 04/16/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305082807 | 36443702 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 04/13/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305082807 | 36443704 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/21/2026 | 2 C B |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305082807 | 36443705 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 04/13/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304911599 | 36443900 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The fraud report reflects judgements in the amount of $xxxx and $xxxx that the loan file does not document were paid/satisfied. |  |  |  | xxxx | 04/21/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305066338 | 36518378 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 1 C A D |  | MN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305066338 | 36518379 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/07/2026 | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305066338 | 36518380 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is paying off $xxxx in credit debt. Per guidelines, no cash out on contract for deed transactions. | 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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/01/2026 | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305066338 | 36518381 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305066338 | 36518382 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305066325 | 36518391 |  | 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 Administration Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/18/2026 |  | 2 C B |  | IL | 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 |
| 305066325 | 36518393 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the lender attesation as to if condo is warrantable or not. Note: Non-Warrantable max is 75% LTV for purchase. |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305066336 | 36518403 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066336 | 36518408 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 305066336 | 36518409 |  | 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 $1,949.06 exceeds tolerance of $0.00. $1,949.06 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305066336 | 36518410 |  | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | 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 mortgage payment has decreased by at least 20%.<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 | xxxx |  |  | 03/25/2026 | 2 C B |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066336 | 36518411 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party SE documentation in file is > 30 days prior to closing. |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066336 | 36518412 |  | 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 | 04/08/2026 |  |  | 1 B A C |  | NC | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305066336 | 36518413 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066331 | 36518422 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066331 | 36518423 |  | 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 Origination Fee. Fee Amount of $11,900.00 exceeds tolerance of $0.00. $11,900.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/07/2026 |  |  | 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 A | Non QM | Non QM | Yes |
| 305066331 | 36518424 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066331 | 36518425 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305066328 | 36518427 |  | 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 ___. |  | 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/13/2026 | 2 C B |  | CO | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066328 | 36518429 |  | 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 | 03/13/2026 |  |  | 1 B A C |  | CO | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305066328 | 36518430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305066328 | 36518432 |  | 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 $363.30 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/10/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305066319 | 36518464 |  | 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 $1,657.50 exceeds tolerance of $850.00. $807.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305066319 | 36518465 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  | xxxx |  | 04/09/2026 |  | 2 B |  | NV | Primary | Refinance - Rate/Term | 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 |
| 305066344 | 36518471 |  | 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 | 03/31/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305066344 | 36518472 |  | 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 |  |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305066344 | 36518473 |  | 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 | 04/06/2026 |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305066312 | 36518488 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  | xxxx |  |  | 03/30/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305066311 | 36518494 |  | 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 $-8,100.00 exceeds tolerance of $-10,800.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | 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 |
| 305066316 | 36518515 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects Non-Arm's Length. Appraiser notes Builder Sale and not listed on the MLS. If appraisal is really Arm's Length, provide the updated appraisal. If not, all requirements under section 3.8 must be met. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<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 |  |  | 03/19/2026 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 305066315 | 36518517 |  | 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 | 03/18/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 305066314 | 36518519 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects Non-Arm's Length. Appraiser notes Builder Sale and not listed on the MLS. If appraisal is really Arm's Length, provide the updated appraisal. If not, all requirements under section 3.8 must be met. |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 305066662 | 36551627 |  | 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 |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066662 | 36551628 |  | 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 |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066662 | 36551629 |  | 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 | 02/24/2026 |  |  | 1 C A |  | FL | 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 | Non QM | Non QM | Yes |
| 305066662 | 36551630 |  | 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 |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 305066662 | 36551634 |  | 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 | 02/16/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088735 | 36551682 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | xxxx | 04/17/2026 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088735 | 36551683 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. | xxxx |  |  |  | xxxx | 04/17/2026 |  |  | 1 A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305088735 | 36551684 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 04/17/2026 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304872090 | 36587381 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872090 | 36587382 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | DTI: 22.52778% <br> Guideline Maximum DTI: 43.00000%<br>Reserves: 28.98<br> Guideline Requirement: 12.00 | SitusAMC<br>SitusAMC | xxxx |  |  | 07/24/2025 | 2 C B |  | FL | Second Home | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872099 | 36587393 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872099 | 36587394 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide original complete Operating Agreement for the borrowing entity. |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872099 | 36587395 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872099 | 36587396 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 18.98<br> Guideline Requirement: 2.00 | SitusAMC | xxxx |  |  | 08/07/2025 | 2 C B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872099 | 36587397 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 12 month payment history on the loan being paid off on the subject property. If no payments were due under the terms of the Note, please provide evidence of this. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 18.98<br> Guideline Requirement: 2.00 | SitusAMC | xxxx |  |  | 11/03/2025 | 2 B |  | LA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872096 | 36587398 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved to Verification of mortgage/Verification of Rent (VOM/VOR): Applications must be supported by the most recent 12 months mortgage and/or rent pay history | Borrower has owned the subject property for at least 5 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 representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 20.14<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 752 | SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 07/14/2025 | 2 B |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872096 | 36587400 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872096 | 36587401 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872096 | 36587404 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 A |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872096 | 36587405 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 A |  | LA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304865931 | 36587407 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304866346 | 36587409 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | File is missing UW Income worksheet for asset depletion income, |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304866346 | 36587410 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304872059 | 36587413 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A D |  | CT | Investment | Purchase | D A |  | N/A | No |
| 304872059 | 36587414 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower living rent free with child. |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | CT | Investment | Purchase | D A |  | N/A | No |
| 305087622 | 36591868 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | xxxx |  |  | 04/06/2026 | 2 A |  | FL | Primary | Purchase | A | Non QM | Exempt from ATR | No |

---

## Exhibit 99.4

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304477102 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304471386 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304635729 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304680597 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304692499 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304687273 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304707109 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304765323 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304767201 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304767206 | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304858930 | C |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304865982 | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305030649 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043829 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054724 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054713 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054731 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054722 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054778 | C |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054762 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304825011 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305050108 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305051410 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305060428 | C |  | N/A | N/A | N/A | N/A | N/A | D | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060546 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060449 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060520 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060830 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060581 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060852 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060469 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060551 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060886 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060569 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060512 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305056829 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305032284 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304872095 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304872075 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304872064 | C |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304872071 | C |  |  |  |  |  |  | C | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872061 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872066 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305050357 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057944 | A |  | C | C | C | C | C | B | C | A |  | B | B | B | B | B | B | B |  |
| 305063761 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305059747 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305034663 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305056376 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305046128 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305072137 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305072116 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305072130 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305072148 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305072128 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305072119 | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| 305064076 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305065881 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305067575 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305063764 | B |  | B | B | B | B | B | D | D | B |  | B | B | B | B | B | A | B |  |
| 305069482 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069536 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305069459 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078827 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078837 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078808 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078798 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078776 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078806 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078771 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078828 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073651 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078842 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078810 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078797 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078773 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078794 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078774 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078829 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078832 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078813 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078819 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078800 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078823 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078836 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078817 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078805 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078790 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078804 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078820 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078830 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078811 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078792 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073701 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305056904 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305069982 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305069529 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074582 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305064129 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305069804 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305037685 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069423 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069500 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069447 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305069429 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074590 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073642 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073648 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073726 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074576 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073761 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073746 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034597 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305074591 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073745 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073753 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069446 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073754 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073628 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043826 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073656 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073616 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073738 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073611 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043848 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073498 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305079223 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305074559 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073694 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305076274 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305076242 | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305069570 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305071243 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305059681 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305071240 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305064039 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305069453 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305069488 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069445 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069484 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069449 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069442 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305077142 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305076240 | B |  | C | C | C | C | C | C | C | B |  | B | B | B | B | B | A | B |  |
| 305069556 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305078477 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305079785 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305072100 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305069487 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069530 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069515 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305080624 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305067571 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305063598 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305074657 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305065868 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305079778 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305069795 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305057939 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305078247 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305074650 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305082989 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305069793 | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| 305067104 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305073499 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305079856 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305077102 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305076275 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305084603 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305084671 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305082998 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305068187 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305076215 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305073679 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073748 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074597 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073671 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073728 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069426 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073645 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069413 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073693 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305033587 | A |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305085982 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305074647 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305096826 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305079854 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305036832 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305059590 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057776 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305069494 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305076905 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305079794 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305083144 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305060987 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305082063 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305086382 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305063368 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305045599 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305066392 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305066478 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305066653 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305088390 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305062155 | C |  | C | C | C | C | C | D | D | A |  | A | A | A | A | A | A | A |  |
| 305074596 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073731 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074568 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074566 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073743 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074587 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073688 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073742 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305094510 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305088569 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305091044 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305091302 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305080621 | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305078712 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305088282 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305073610 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305087676 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305094496 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305089884 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305085798 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305088424 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305078909 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305086380 | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 305088113 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305088422 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305091378 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305096884 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305091027 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305079788 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305088223 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305094988 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305077104 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305078463 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305094925 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305087059 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305069797 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305088248 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305076289 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305094538 | A |  | A | A | A | A | A | A | A | A |  | B | B | B | B | B | A | B |  |
| 305091165 | B |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305094895 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305101555 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305066506 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305077779 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305099175 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305100592 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305086802 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305055868 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057775 | D |  | A | A | A | A | A | A | D | A |  | A | A | A | A | A | A | A |  |
| 305067419 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305061747 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305061651 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305064624 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305062595 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305077169 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305066788 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305077158 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305070097 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305078718 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305060617 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305088173 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305079250 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305078273 | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| 305083132 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305079248 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305070008 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305082962 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305088347 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305070090 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305082807 | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 304911599 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305066335 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305066338 | C D |  | A | A | A | A | A | A | C D | B |  | A | A | A | A | A | A | B |  |
| 305066325 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305066336 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305066331 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305066328 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305066319 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305066344 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305066312 | A |  | A | A | A | A | A | B | B | A |  | A | A | A | A | A | B | B |  |
| 305066311 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305066316 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305066315 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305066314 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305066330 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305066662 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305066350 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305088735 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305088845 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073759 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872090 | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 304872099 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872096 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304865931 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866346 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865584 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872059 | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305087622 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305092206 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.5

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 304477102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304471386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304680597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304692499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304687273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304707109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304767201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858930 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.430% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305050108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305051410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.630% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.410% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305032284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304872095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 304872075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872071 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304872066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305050357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 305057944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305063761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.180% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| 305059747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 305034663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305056376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.670% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305046128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.560% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305072137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305072116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305072130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305072148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 305072128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305072119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 305064076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305065881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305067575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305063764 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.760% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.760% |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078808 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078806 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078828 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.330% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078810 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078817 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078804 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078820 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056904 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 305069982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305069529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305069804 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.560% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.560% |  |  |  |  |  |  |  |  | N/A |  |  |
| 305037685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 305069423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074590 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073746 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305074591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073628 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073616 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 305079223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.010% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305076274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305076242 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305069570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305071243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305059681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 305071240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305064039 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 305069453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305077142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 305076240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305069556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.810% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305079785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305072100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 305069487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.050% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305080624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305067571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305063598 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.960% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 305074657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.360% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305065868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305079778 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.540% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305057939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 305078247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305074650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305082989 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305069793 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.630% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 305067104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.330% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 305073499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.720% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| 305079856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305077102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305076275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 305084603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.790% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| 305084671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305082998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305068187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305076215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305073679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073748 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.010% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073728 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305033587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305085982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305074647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.830% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 305096826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305079854 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 305036832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 305059590 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305057776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305069494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305076905 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305079794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305083144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 305060987 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305082063 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 305086382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305063368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305045599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305066392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305066478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 305088390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 305062155 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.990% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 305074596 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073742 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305094510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 305088569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 305091044 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305091302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 305080621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 305078712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 305088282 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305073610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305087676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305094496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.180% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.180% |  |  |  |  |  |  |  |  | N/A |  |  |
| 305089884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305085798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305088424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305078909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305086380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.360% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305088113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305088422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.820% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 305091378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305096884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305091027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 305079788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305088223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 305094988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305077104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305094925 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305087059 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305069797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305088248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305076289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.360% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305094538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305091165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305094895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.870% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305101555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305066506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 305077779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 305099175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305100592 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305086802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 305055868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305057775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305067419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305061747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305061651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305064624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305062595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305077169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305066788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305077158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305070097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305078718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305060617 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305088173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305079250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305078273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 305083132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 305079248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305070008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 305082962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 305088347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.050% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 305070090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305082807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304911599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305066335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305066325 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305066331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066315 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.450% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305066330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| 305066662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305066350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 305088735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 305088845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 305073759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304872099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872096 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304866346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 304865584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872059 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305087622 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 305092206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |

---

## Exhibit 99.6

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-NQX2**

**By Clarifii LLC on June 9, 2026**

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 294 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-NQX2 transaction. The Loans referenced in this narrative report were reviewed in between 03/2025 to 04/2026 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 <br> Count** | &nbsp;&nbsp;**% of Pool <br> (by loan <br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;22 | &nbsp;&nbsp;7.48% | &nbsp;&nbsp;$10378779.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.06% | &nbsp;&nbsp;$3505600.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;$228800.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;$170000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;261 | &nbsp;&nbsp;88.78% | &nbsp;&nbsp;$217841269.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

The Review consisted of a population of 294 Loans, with an aggregate principal balance of $217,841,269.00.

**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-NQX2 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;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**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;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Initial Originator Signature Date |
| &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 Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Prepayment Penalty Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Title Form Type |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **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-NQX2 Due Diligence Narrative Report – PagE \| 6

![](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-NQX2 Due Diligence Narrative Report – PagE \| 7

![](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** 

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 8

![](ex996001.jpg)

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **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)

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 9

![](ex996001.jpg)

– Initial Escrow Account Disclosure

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

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.

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 10

![](ex996001.jpg)

**Miscellaneous Compliance Testing**

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

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

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

● **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-NQX2 Due Diligence Narrative Report – PagE \| 11

![](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-NQX2 Due Diligence Narrative Report – PagE \| 12

![](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-NQX2 Due Diligence Narrative Report – PagE \| 13

![](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.

**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-NQX2 Due Diligence Narrative Report – PagE \| 14

![](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;17 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 15

![](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-NQX2 Due Diligence Narrative Report – PagE \| 16

![](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;222 | &nbsp;&nbsp;75.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;72 | &nbsp;&nbsp;24.49% |
| &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;**294** | &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-NQX2 Due Diligence Narrative Report – PagE \| 17

![](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;248 | &nbsp;&nbsp;84.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;15.65% |
| &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;**294** | &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;293 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &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;**294** | &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;264 | &nbsp;&nbsp;89.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;30 | &nbsp;&nbsp;10.20% |
| &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;**294** | &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;294 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$232124448.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 18

![](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;99 | &nbsp;&nbsp;33.67% | &nbsp;&nbsp;$116344643.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.36% | &nbsp;&nbsp;$1950300.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;191 | &nbsp;&nbsp;64.97% | &nbsp;&nbsp;$113829505.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

**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;154 | &nbsp;&nbsp;52.38% | &nbsp;&nbsp;$139953330.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;140 | &nbsp;&nbsp;47.62% | &nbsp;&nbsp;$92171118.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

**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;294 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$232124448.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

**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;3 | &nbsp;&nbsp;1.02% | &nbsp;&nbsp;$1773950.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;291 | &nbsp;&nbsp;98.98% | &nbsp;&nbsp;$230350498.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**294** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$232124448.00** |

---

**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-NQX2 Due Diligence Narrative Report – PagE \| 19

![](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;288 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;99 | &nbsp;&nbsp;287 | &nbsp;&nbsp;65.51% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;287 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;287 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;285 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;294 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;294 | &nbsp;&nbsp;97.96% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;38 | &nbsp;&nbsp;275 | &nbsp;&nbsp;86.18% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;266 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 20

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;288 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;8 | &nbsp;&nbsp;34 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;24 | &nbsp;&nbsp;276 | &nbsp;&nbsp;91.30% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;71 | &nbsp;&nbsp;281 | &nbsp;&nbsp;74.73% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;282 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;275 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;281 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;287 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;13 | &nbsp;&nbsp;282 | &nbsp;&nbsp;95.39% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;28 | &nbsp;&nbsp;43 | &nbsp;&nbsp;34.88% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;288 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;293 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;281 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;281 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;213 | &nbsp;&nbsp;281 | &nbsp;&nbsp;24.20% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;5 | &nbsp;&nbsp;12 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;293 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;294 | &nbsp;&nbsp;99.66% |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report – PagE \| 21

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;280 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;11 | &nbsp;&nbsp;282 | &nbsp;&nbsp;96.10% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;292 | &nbsp;&nbsp;98.63% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;293 | &nbsp;&nbsp;98.98% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;55 | &nbsp;&nbsp;282 | &nbsp;&nbsp;80.50% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;294 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;276 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;235 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;282 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;48 | &nbsp;&nbsp;281 | &nbsp;&nbsp;82.92% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;232 | &nbsp;&nbsp;99.57% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Title Form Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;8 | &nbsp;&nbsp;256 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |

---

**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-NQX2 Due Diligence Narrative Report – PagE \| 22

![](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-NQX2 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.7

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304702235 | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | XXXX | 304702235 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | As per App |
| XXXX | XXXX | 304694458 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304736278 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 304736279 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736279 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304736279 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | 2 appraisals required. Using lower of 2 values for LTV calc |
| XXXX | XXXX | 304892635 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892635 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal and Condo Questionnaire |
| XXXX | XXXX | 304892635 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National per Lender Approval & docs in file. |
| XXXX | XXXX | 304892635 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National per Lender Approval & docs in file. |
| XXXX | XXXX | 304758127 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 304892633 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892633 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.96 | 0.902 | Audit matches lender worksheet. |
| XXXX | XXXX | 304856813 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892637 | XXXX | Property Address | notePage | XXXX | XXXX | As per Note, Legal desc, etc |
| XXXX | XXXX | 304892637 | XXXX | Interest Only Term | notePage | 120 | 60 | per note |
| XXXX | XXXX | 304892637 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304892637 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 304892637 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 304892637 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | As per Appraisal, etc |
| XXXX | XXXX | 304892637 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 304892634 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892634 | XXXX | Borrower 2 SSN | the1003Page | XXXX | XXXX | Foreign National. |
| XXXX | XXXX | 304892634 | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Foreign National. |
| XXXX | XXXX | 304892634 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 304892634 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| XXXX | XXXX | 304892634 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.554 | 1.942 | Audit DSCR 1007 less 20% for STR; Lender did not deduct expense factor. |
| XXXX | XXXX | 304817022 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 304817034 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304817034 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal – Property was Listed for Sale – Listing Price used for LTV |
| 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 | 305039372 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.77 | 46.21 | Audit calculated lower total debt |
| XXXX | XXXX | 304825203 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304825203 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final cd |
| XXXX | XXXX | 304825203 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 304892632 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892632 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304825171 | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825171 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825171 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304825171 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 304825171 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 187.59 | DSCR |
| XXXX | XXXX | 304856666 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304856806 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304856806 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 304856806 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | XXXX | 304875585 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875585 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875585 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per appraisal, condo questionnaire |
| XXXX | XXXX | 304875512 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875512 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | XXXX | 304875512 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documentation |
| XXXX | XXXX | 304875514 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875514 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 304875514 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304875514 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 808.81 | DSCR Loan |
| XXXX | XXXX | 304892630 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 304875580 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875450 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875450 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.21 | 17.51 | Audit calculated lower REO |
| XXXX | XXXX | 304875457 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 304875564 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875394 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875601 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875601 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304875527 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892513 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892513 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 304892601 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal/Condo Questionnaire/Condo Docs |
| XXXX | XXXX | 304892601 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | 304875491 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875491 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304875490 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875490 | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1008 |
| XXXX | XXXX | 304875490 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304892604 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892604 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 304892604 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304892508 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892508 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 304892583 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304892583 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial application |
| XXXX | XXXX | 304896975 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | XXXX | 304896975 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | XXXX | 304896975 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD in file |
| XXXX | XXXX | 304875499 | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875499 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875499 | XXXX | First Payment Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304896948 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304896948 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003. |
| XXXX | XXXX | 304896948 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304896948 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.656 | 0.683 | As per Audit, previous HOI amount used differs. Used amount consistent with HOI docs provided. |
| XXXX | XXXX | 304896950 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304896950 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304896978 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892561 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892561 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 304892561 | XXXX | Qualifying CLTV | propertyValuationPage | 71.63 | 70.00 | Audit used lowest list price |
| XXXX | XXXX | 304892561 | XXXX | Qualifying LTV | propertyValuationPage | 71.63 | 70.00 | Audit used lowest list price |
| XXXX | XXXX | 304896902 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304896902 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.53 | 36.44 | lender did not include sunrail payment. |
| XXXX | XXXX | 304896979 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039364 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039364 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 37.63 | Lender 1003 does not appear to include REO mortgages. |
| XXXX | XXXX | 305039366 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039345 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039345 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305023692 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023692 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305023692 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305023692 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | As per Appraisal, docs |
| XXXX | XXXX | 304910091 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304910091 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | -----Per initial Application in file |
| XXXX | XXXX | 304910091 | XXXX | ULI | the1003Page | XXXX | XXXX | per application |
| XXXX | XXXX | 304910091 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | -----Per PCCD |
| XXXX | XXXX | 305023650 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023650 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| 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 | 305029519 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029519 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305029519 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305029519 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| XXXX | XXXX | 305030841 | XXXX | Note Date | notePage | XXXX | XXXX | Per the note in the file |
| XXXX | XXXX | 305030841 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per the initial application in the file. |
| XXXX | XXXX | 305030841 | XXXX | Qualifying FICO | creditLiabilitiesPage | 686 | 787 | Per the credit report in the file. |
| XXXX | XXXX | 305030825 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305030825 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan Application |
| XXXX | XXXX | 305030825 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.151 | 1.61 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| XXXX | XXXX | 305030898 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal and condo questionnaire |
| XXXX | XXXX | 305030898 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.859 | 1.996 | Lender used higher unverified rental income. |
| XXXX | XXXX | 305035290 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305029520 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029520 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305029520 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 987.93 | DSCR - No DTI |
| XXXX | XXXX | 305030865 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030865 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305030865 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030865 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 305030865 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 83.28 | DSCR |
| XXXX | XXXX | 305035342 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035342 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Loan Application |
| XXXX | XXXX | 305035342 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal/title |
| XXXX | XXXX | 305035342 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 30.17 | DSCR Loan-no DTI |
| XXXX | XXXX | 305039248 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305039248 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | XXXX | 305039248 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| XXXX | XXXX | 305039248 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.736 | 1.102 | Audit DSCR matches Lender's calculation |
| 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 | 305039275 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035416 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035416 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035416 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | XXXX | 305035416 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per 1008/Appraisal Report |
| XXXX | XXXX | 305035416 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 305035416 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.184 | 1.15 | Lender Calculation not provided |
| XXXX | XXXX | 305035365 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035366 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035366 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial LE |
| XXXX | XXXX | 305035366 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | XXXX | 305035366 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final Cd |
| XXXX | XXXX | 305035366 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo documents |
| XXXX | XXXX | 305035366 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| XXXX | XXXX | 305035306 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PCCD not added into LM |
| XXXX | XXXX | 305035306 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | 1008 stated project not warrantable |
| XXXX | XXXX | 305039297 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039297 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305039297 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per docs in file. |
| XXXX | XXXX | 305039297 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3203.88 | DSCR Loan per 1003/1008 |
| XXXX | XXXX | 305039261 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039359 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039359 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305039359 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039359 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.783 | 0.719 | Lender reduced market rent by 20% |
| XXXX | XXXX | 305035371 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035371 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 939.43 | DSCR |
| XXXX | XXXX | 305039316 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039316 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039316 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.57 | 44.75 | Lender included primary housing/rents not calculated correctly |
| 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 | 305035337 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035337 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305035337 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.28 | 1.274 | Lender used higher STR income; missing exact HOI premium. |
| XXXX | XXXX | 305035349 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035349 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305035349 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents in file |
| XXXX | XXXX | 305023759 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305023759 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305023759 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 223.33 | DSCR |
| 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 | 305039298 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305039339 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039339 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| XXXX | XXXX | 305039339 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305039219 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039219 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per signature on application |
| XXXX | XXXX | 305039219 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 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 | 305039369 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039369 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305039369 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305044755 | XXXX | Note Date | notePage | XXXX | XXXX | note date XXXX |
| XXXX | XXXX | 305044755 | XXXX | Property Type | propertyValuationPage | PUD | ManufacturedHousing | Per appraisal |
| XXXX | XXXX | 305044755 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2736.58 | DSCR |
| 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 Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305030827 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305039361 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used the lesser of the 2 appraisals. |
| XXXX | XXXX | 305039361 | XXXX | Qualifying FICO | creditLiabilitiesPage | 675 | 676 | Per credit report |
| XXXX | XXXX | 305039277 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305039270 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305039270 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305039203 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 305039218 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305044703 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2606.81 | Per Approval loan is DSCR, no DTI calculated |
| XXXX | XXXX | 305039229 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039229 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305039229 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| XXXX | XXXX | 305039315 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305039315 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per mortgage |
| XXXX | XXXX | 305039315 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305039315 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305039315 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305030862 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030862 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305030862 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER CD |
| XXXX | XXXX | 305030862 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305030862 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 213.18 | DSCR |
| XXXX | XXXX | 305035400 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035400 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305035400 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305035400 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305035400 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305035400 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.111 | 1.186 | Match with DSCR worksheet |
| XXXX | XXXX | 305039317 | XXXX | Note Date | notePage | XXXX | XXXX | Per Final Note |
| XXXX | XXXX | 305039317 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305039317 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| XXXX | XXXX | 305039317 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305039317 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305051978 | XXXX | Borrower 1 SSN | the1003Page | XXXX | XXXX | Foreign national |
| XXXX | XXXX | 305039233 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039233 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305039233 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039233 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per audit & documents provided. |
| XXXX | XXXX | 305052025 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305052025 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305052025 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305052025 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305052025 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305052025 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per questinnaire |
| XXXX | XXXX | 305052025 | XXXX | Qualifying FICO | creditLiabilitiesPage | 770 | 783 | Per guides use highest mid score |
| XXXX | XXXX | 305039322 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039322 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305039322 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039322 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per lender documentation, condo questionnaire |
| XXXX | XXXX | 305039322 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per audit & borrower's citizenship |
| XXXX | XXXX | 305039322 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per audit and borrower's citizenship |
| XXXX | XXXX | 305035422 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305035422 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 318.90 | DSCR |
| XXXX | XXXX | 305051994 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051994 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305051994 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305051994 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1367.06 | DSCR |
| XXXX | XXXX | 305051987 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051987 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305051987 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051987 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305051987 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| XXXX | XXXX | 305051987 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305051968 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051968 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051968 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305051968 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Closing Statement |
| XXXX | XXXX | 305051968 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7232.77 | DSCR loan |
| XXXX | XXXX | 305039335 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039335 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305039335 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039335 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Condo Questionnaire and Appraisal. |
| XXXX | XXXX | 305039335 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | 305039335 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 or Per Citizenship Documents |
| XXXX | XXXX | 305039335 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 29.53 | DSCR |
| XXXX | XXXX | 305051927 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305035309 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035309 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305035309 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 305035309 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305035309 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305052002 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305052002 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Per appraisal 2 unit attached |
| XXXX | XXXX | 305051993 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051993 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305051993 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051993 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Attached | 5 Unit property per appraisal |
| XXXX | XXXX | 305051993 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.141 | 1.186 | lender did not account for the management fee reducing rental income |
| XXXX | XXXX | 305051993 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 640.97 | DSCR Loan |
| XXXX | XXXX | 305051997 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051997 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305051997 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and documentation in file. |
| XXXX | XXXX | 305051985 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051985 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051985 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305051985 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305051985 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | 305051985 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Condo Questionnaire |
| XXXX | XXXX | 305051985 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305051983 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051906 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE. |
| XXXX | XXXX | 305051906 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003. |
| XXXX | XXXX | 305051904 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051904 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305051919 | XXXX | Note Date | notePage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305051919 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305051919 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1133.19 | Loan is DSCR, DTI not calculated for qualifying |
| XXXX | XXXX | 305051891 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305052033 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305052033 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Loan Application |
| XXXX | XXXX | 305052033 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Permanent Resident Alien | USCitizen | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305052033 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1290.73 | DSCR loan per 1003/1008 |
| XXXX | XXXX | 305051890 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305051890 | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 Application. |
| XXXX | XXXX | 305051890 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| XXXX | XXXX | 305051890 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 305051986 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051986 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305051986 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305051986 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | XXXX | 305051986 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Condo questionnaire and Appraisal |
| XXXX | XXXX | 305051986 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305051981 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051981 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.28 | 43.03 | Difference due to Lender included self-reporting utilities in DTI and Audit did not. |
| XXXX | XXXX | 305051953 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051953 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial App |
| XXXX | XXXX | 305051953 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-warrantable due project In Litigation |
| XXXX | XXXX | 305051953 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign national per docs in file |
| XXXX | XXXX | 305051893 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305051893 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application. |
| XXXX | XXXX | 305051893 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 305051893 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | FN per docs in file. |
| XXXX | XXXX | 305051915 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051915 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 305051915 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305051973 | XXXX | Note Date | notePage | XXXX | XXXX | Per Final Note |
| XXXX | XXXX | 305051973 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Post CD |
| XXXX | XXXX | 305051961 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051961 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305052024 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305052024 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305052024 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 645.60 | DSCR no DTI |
| XXXX | XXXX | 305052019 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305052019 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305052019 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305052019 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | 1008 Indicates Warrantable |
| XXXX | XXXX | 305052019 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.2 | 27.03 | DTI variance due to higher REO loss |
| XXXX | XXXX | 305051998 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051998 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051998 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo questionnaire and appraisal |
| XXXX | XXXX | 305051998 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | XXXX | 305051954 | XXXX | Note Date | notePage | XXXX | XXXX | per Note of file |
| XXXX | XXXX | 305052022 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051960 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051960 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051960 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial loan app |
| XXXX | XXXX | 305051960 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Hi-Rise per appraisal |
| XXXX | XXXX | 305051960 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305051960 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305051960 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2829.01 | DSCR per 1003/1008 |
| XXXX | XXXX | 305051960 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.028 | 1.016 | 1007/ PITIA. Variance due to different PITIA |
| XXXX | XXXX | 305051951 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051912 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051912 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| XXXX | XXXX | 305051912 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Final CD |
| XXXX | XXXX | 305044704 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305044704 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final cd |
| XXXX | XXXX | 305052005 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051989 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062493 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062493 | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305062493 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305062488 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062488 | XXXX | ULI | the1003Page | XXXX | XXXX | Per final loan application |
| XXXX | XXXX | 305062488 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| XXXX | XXXX | 305062488 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305062488 | XXXX | HOA Flag | propertyValuationPage | Yes | No | Per Appraisal/PUD Rider |
| XXXX | XXXX | 305062488 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.198 | 2.381 | Due to lender did not include HOA noted on appraisal |
| XXXX | XXXX | 305051965 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051965 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| XXXX | XXXX | 305051965 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051965 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305062513 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062513 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062513 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062513 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial loan app |
| XXXX | XXXX | 305062513 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305062513 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | 305062513 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo questionnaire |
| XXXX | XXXX | 305062513 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per loan application |
| XXXX | XXXX | 305062503 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062555 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE. |
| XXXX | XXXX | 305062555 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| XXXX | XXXX | 305055914 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per lock agreement |
| XXXX | XXXX | 305055914 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per executed 1003 in file |
| XXXX | XXXX | 305055914 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per credit report |
| XXXX | XXXX | 305062486 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062548 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062548 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305062548 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305062530 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062530 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305062530 | XXXX | HOA Flag | propertyValuationPage | Yes | No | Per Appraisal |
| XXXX | XXXX | 305062530 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305062530 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305062530 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.925 | 1.004 | Lender DSCR Breakdown not provided |
| XXXX | XXXX | 305062453 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305062506 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062506 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305062506 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 5 unit per appraisal |
| XXXX | XXXX | 305062506 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 209.80 | DSCR Loan |
| XXXX | XXXX | 305062563 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062563 | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305062563 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305062563 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final cd |
| XXXX | XXXX | 305062563 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal  |
| XXXX | XXXX | 305062563 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 305062563 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.083 | 1.057 | Per calcuations |
| XXXX | XXXX | 305062563 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 15.02 | DSCR loan. |
| XXXX | XXXX | 305062515 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062515 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal. |
| XXXX | XXXX | 305062515 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305062515 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305062531 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062531 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 305062531 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | per 1008 and passport |
| XXXX | XXXX | 305062531 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 202.02 | DSCR - no dti |
| XXXX | XXXX | 305062529 | XXXX | Note Date | notePage | XXXX | XXXX | per notwe |
| XXXX | XXXX | 305062529 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305062468 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305062468 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per intiial 1003 |
| XXXX | XXXX | 305062468 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per documentation in file |
| XXXX | XXXX | 305062452 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305062452 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 305062452 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | From documentation in file |
| XXXX | XXXX | 305062447 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305062549 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062549 | XXXX | Note Date | notePage | XXXX | XXXX | Per final Note. |
| XXXX | XXXX | 305062549 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Per purchase agreement in file. |
| XXXX | XXXX | 305062553 | XXXX | Note Date | notePage | XXXX | XXXX | per Note in file |
| XXXX | XXXX | 305062553 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 in file |
| XXXX | XXXX | 305062553 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305062553 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National documentation provided. |
| XXXX | XXXX | 305062553 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.26 | 1.241 | Lender DSCR Breakdown not provided. |
| XXXX | XXXX | 305071137 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305071137 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305071137 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 894.38 | DSCR |
| XXXX | XXXX | 305062455 | XXXX | Note Date | notePage | XXXX | XXXX | Per notary date |
| XXXX | XXXX | 305062455 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionire |
| XXXX | XXXX | 305062462 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062462 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial App |
| XXXX | XXXX | 305062462 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305062462 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National per credit application and ID Docs in file |
| XXXX | XXXX | 305062462 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 86.84 | DSCR |
| XXXX | XXXX | 305062483 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062483 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX | XXXX | 305062483 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305062557 | XXXX | Note Date | notePage | XXXX | XXXX | per note in file |
| XXXX | XXXX | 305062557 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062557 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Earliest appraisal as primary, but using lower value per lender |
| XXXX | XXXX | 305071156 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071156 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 305071155 | XXXX | Prepayment Penalty Total Term | notePage | 24 | 2 Year | per Note |
| XXXX | XXXX | 305071155 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305071155 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| XXXX | XXXX | 305071155 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.936 | 1 | Lender DSCR Breakdown not provided |
| XXXX | XXXX | 305071154 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071154 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305071154 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 305071154 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.935 | 1 | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305071154 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305052001 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305062512 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062496 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062496 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305062496 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| XXXX | XXXX | 305062464 | XXXX | Note Date | notePage | XXXX | XXXX | NOTE |
| XXXX | XXXX | 305071115 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062511 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305062511 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305051922 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051922 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per Deed of Trust |
| XXXX | XXXX | 305051922 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305051922 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 6 unit per appraisal |
| XXXX | XXXX | 305051922 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.985 | 1.008 | Difference related to total rents used. Audit reduce rents by Mgmt fees, per guidelines. Lender did not. |
| XXXX | XXXX | 305051922 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 10704.72 | DSCR Loan |
| XXXX | XXXX | 305071148 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071148 | XXXX | Prepayment Penalty Total Term | notePage | 12 | 5 Year | Per Note |
| XXXX | XXXX | 305079403 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305079402 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003/Credit Report |
| XXXX | XXXX | 305062550 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | FN per docs in file |
| XXXX | XXXX | 305062550 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | FN per docs in file |
| XXXX | XXXX | 305079381 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 305079381 | XXXX | Title Form Type | titlePage | Preliminary Commitment | XXXX | Title Commitment confirm - borrower is a XXXX = tape has wrong info |
| XXXX | XXXX | 305079381 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | 3 mortgaged properties confirmed |
| XXXX | XXXX | 305061801 | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Non-QM HPML |
| XXXX | XXXX | 305062565 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062565 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305078314 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071152 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078332 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal/Condo Questionnaire |
| XXXX | XXXX | 305078332 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305079394 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per application, credit report |
| XXXX | XXXX | 305078350 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071134 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305071134 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial app |
| XXXX | XXXX | 305071134 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2250.39 | DSCR no DTI |
| XXXX | XXXX | 305078364 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078364 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305078364 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.968 | 1.464 | Lender DSCR Breakdown not provided |
| XXXX | XXXX | 305078300 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078308 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305078308 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD. |
| XXXX | XXXX | 305071153 | XXXX | Note Date | notePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305071153 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305071153 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305071153 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 305071153 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.409 | 1.26 | Rent used by lender was lower than rent allowed |
| XXXX | XXXX | 305071153 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 97.60 | DSCR no DTI |
| XXXX | XXXX | 305078296 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305078296 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 305078296 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisals. |
| XXXX | XXXX | 305078296 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 231.85 | dscr - no dti |
| XXXX | XXXX | 305078338 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305078322 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305078322 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 469.36 | DSCR |
| XXXX | XXXX | 305061874 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report provided |
| XXXX | XXXX | 305078344 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305078344 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 305078337 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078337 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305078337 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 207.93 | DSCR loan |
| XXXX | XXXX | 305078353 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305078353 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Questionnaire and Appraisal |
| XXXX | XXXX | 305078353 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.5 | 31.58 | REO 3c higher than what lender calculated. |
| XXXX | XXXX | 305071116 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305071116 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | XXXX | 305071116 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 21663.16 | DSCR-no income verified |
| XXXX | XXXX | 305078368 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305078368 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305078349 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305078349 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305078342 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305078342 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | XXXX | 305078342 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD in file |
| XXXX | XXXX | 305078342 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305078321 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305078321 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305078362 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305062174 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.88 | 23.74 | Cancellation of Purchase for REO 3E received. Updated 1003 removing property also received. Removed property from DTI |
| XXXX | XXXX | 305078294 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305078302 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305079384 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003/Credit Report |
| XXXX | XXXX | 305078307 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305078307 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305078333 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305078333 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305078333 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305078333 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 136.04 | DSCR, no DTI |
| XXXX | XXXX | 305078333 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.003 | 1.15 | Match with lender worksheet |
| XXXX | XXXX | 305078333 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305078365 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078365 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305078354 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078354 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078354 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305078354 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305078291 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305078316 | XXXX | Note Date | notePage | XXXX | XXXX | NOTE |
| XXXX | XXXX | 305078289 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305078361 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078361 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305082116 | XXXX | Note Date | notePage | XXXX | XXXX | NOTE |
| XXXX | XXXX | 305082116 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | FINAL CD |
| XXXX | XXXX | 305078315 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078315 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 305078358 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305078358 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Listed as townhouse on appraisal |
| XXXX | XXXX | 305078358 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305078366 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305078366 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial app |
| XXXX | XXXX | 305078366 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305078366 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.121 | 1.001 | Lender DSCR Breakdown not provided |
| XXXX | XXXX | 305087358 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087252 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305087296 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087288 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087288 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable, Established FNMA project per limited review |
| XXXX | XXXX | 305078286 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305078286 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial app |
| XXXX | XXXX | 305078286 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305078286 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 305078286 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 and Citizenship Documentation |
| XXXX | XXXX | 305078286 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305087278 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087278 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 305087278 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 305062209 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 305087320 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305087320 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305087320 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.61 | 49.26 | Due to lender used higher debts |
| XXXX | XXXX | 305087319 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305087319 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305087319 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per UW notes on 1008 |
| XXXX | XXXX | 305087389 | XXXX | Note Date | notePage | XXXX | XXXX | per final note |
| XXXX | XXXX | 305087369 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305087369 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305087366 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305061948 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 2.29 | 4.00 | per assets |
| XXXX | XXXX | 305087247 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 305087247 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Credit report, no signature on 1003 |
| XXXX | XXXX | 305087247 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 305087259 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305087318 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305087318 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 305087329 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087329 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.41 | 21.33 | Due to Audit included Earthquake insurance premium for higher total HOI escrowed, and Audit's income calc lower than lender's. |
| XXXX | XXXX | 305087394 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305087394 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305087394 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| XXXX | XXXX | 305087394 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.034 | 1.042 | Lender DSCR Breakdown not provided |
| XXXX | XXXX | 305087368 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305087368 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.6 | 25.92 | Difference related to Other REO calcs. |
| XXXX | XXXX | 305087277 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 305087277 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Appraisal |
| XXXX | XXXX | 305078355 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305078355 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 305087302 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305087302 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.04 | 43.41 | Due to Lender omitting auto liability |
| XXXX | XXXX | 305087402 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305086830 | XXXX | Investor Loan ID | overrideTrueData | XXXX | XXXX |  |
| XXXX | XXXX | 305087291 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 305087291 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.95 | 38.03 | Lender used annual subject HOA amount as monthly. |
| XXXX | XXXX | 305087258 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305087258 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 305087401 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305087253 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL NOTE DATE. |
| XXXX | XXXX | 305087253 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | PER FINAL CD DISB DATE. |
| XXXX | XXXX | 305087373 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087373 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305087261 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305087261 | XXXX | HOA Flag | propertyValuationPage | Yes | No | per the appraisal |
| XXXX | XXXX | 305087241 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305061988 | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Per Final 1003 |
| XXXX | XXXX | 305087290 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305087290 | XXXX | Vested Business Entity Name | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | XXXX | 305087342 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |

---

## Exhibit 99.8

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 304702235 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304694458 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304736272 C B A | Closed | FCRE1440 | 2025-06-17 08:46 | 2025-06-17 08:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Seasoning requirement: Subordinate lien short 12-month requirement with only 11 months 14 days Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/17/2025 |  | Waived-Seasoning requirement: Subordinate lien short 12-month requirement with only 11 months 14 days Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 744<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 18.49% | DTI 20% below max<br> Fico 20+ points above min<br> 25 years on job |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4469261 |
| XXXX | XXXX | 304736272 C B A | Closed | FCRE1199 | 2025-06-06 11:17 | 2025-06-06 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Loan amount exceeds max allowed per matrix of $4mm. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and strong ability to repay. - Due Diligence Vendor-06/06/2025 |  | Waived-Loan amount exceeds max allowed per matrix of $4mm. <br> Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and strong ability to repay. - Due Diligence Vendor-06/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 744<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 18.49% | LTV 5% below max<br> DTI 20% below max<br> Mortgage history 0X30<br> 25 years on job |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4361738 |
| XXXX | XXXX | 304736270 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304736278 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304736279 C B A | Closed | FCRE1232 | 2025-07-01 13:08 | 2025-07-03 15:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow allow < 1 DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. The loan file included the attached exception for the non-warrantable condo with no ratio (i.e. no DSCR ratio calculation). - Seller-07/01/2025 <br>Open-The Calculated DSCR of '0.373' is less than the minimum DSCR per lender guidelines of '1'. Minimum DSCR is 1 for non-warrantable condo. No exception found - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. The loan file included the attached exception for the non-warrantable condo with no ratio (i.e. no DSCR ratio calculation). - Seller-07/01/2025<br>| Waived-Originator exception granted to allow allow < 1 DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/03/2025<br>| Months Reserves exceed minimum required - 1052 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 755 vs. 700 | 20+ points higher on credit score<br> 3+ months in reserves ($17m assets) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4618656 |
| XXXX | XXXX | 304736279 C B A | Closed | FCRE8201 | 2025-07-01 13:21 | 2025-07-01 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-07/01/2025 <br>Open-EXCEPTION to allow new cupcake matrix & allow non-warrantable with no ratio<br> - Due Diligence Vendor-07/01/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-07/01/2025<br>| Months Reserves exceed minimum required - 1052 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 755 vs. 700 | 20+ points higher on credit score<br> 3+ months in reserves ($17m assets) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4618912 |
| XXXX | XXXX | 304892635 D B A | Closed | FCRE8201 | 2025-07-02 15:38 | 2025-07-21 16:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 100% of the STR from the rent schedule.. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Appraiser took their market rent estimate directly from XXXX, lender used 100% instead of the 80% required by guidelines. Using the 80% will result in an even lower DSCR than calculated currently at 1.14 which does not meet the required 1.20. Because of this and lack of comp factors, finding remains open and material. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Waived-Originator exception granted to allow 100% of the STR from the rent schedule.. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/21/2025<br>| Long term residence - Long Term Residence = 8+ years<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 1.16m. | Reserves of 1.16m is greater than minimum required of no reserves required (Lender stated 3m above minimum on exception). | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 4642491 |
| XXXX | XXXX | 304892635 D B A | Closed | FCRE1232 | 2025-07-02 17:04 | 2025-07-09 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Confirmed XXXX DSCR: If LTV > 70% Purch, >65% Refi, DSCR ≥ 1.2 required--70% purchase-DSCR is >1.00 - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. Per XXXX DSCR Matrix XXXX Foreign Nationals max purchase LTV is 75%. DSCR of > or equal to 1.2 is required only if LTV is > 70%. In this case, the LTV is only 70% thus DSCR of 1.2 is not required. Please clear this condition. - Seller-07/07/2025 <br> Counter-Documentation is insufficient-original finding remains-minimum DSCR per lender guidelines of '1.2'. Required for XXXX LTV > 65% - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. Per XXXX DSCR matrix dated XXXX , XXXX shows max LTV/CLTV is 75% Purchase and required DSCR is DSCR > or equal to .75 to < or equal to 1.00. Subject loan LTV /CLTV is 70% and DSCR is 1.147. Please clear this condition. - Seller-07/03/2025 <br> Open-The Calculated DSCR of '1.147' is less than the minimum DSCR per lender guidelines of '1.2'. Required for XXXX LTV > 65% - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. Per XXXX DSCR Matrix XXXX Foreign Nationals max purchase LTV is 75%. DSCR of > or equal to 1.2 is required only if LTV is > 70%. In this case, the LTV is only 70% thus DSCR of 1.2 is not required. Please clear this condition. - Seller-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. Per XXXX DSCR matrix dated XXXX , Foreign Nationals shows max LTV/CLTV is 75% Purchase and required DSCR is DSCR > or equal to .75 to < or equal to 1.00. Subject loan LTV /CLTV is 70% and DSCR is 1.147. Please clear this condition. - Seller-07/03/2025 | Resolved-Confirmed FN DSCR: If LTV > 70% Purch, >65% Refi, DSCR ≥ 1.2 required--70% purchase-DSCR is >1.00 - Due Diligence Vendor-07/09/2025<br>| Long term residence - Long Term Residence = 8+ years<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 1.16m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4643796 |
| XXXX | XXXX | 304892635 D B A | Closed | FCRE1161 | 2025-07-02 15:01 | 2025-07-07 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025 <br>Open-Missing Flood Certificate Provide Flood Certificate. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/03/2025<br>| Resolved-Received Flood Cert. - Due Diligence Vendor-07/07/2025<br>| Long term residence - Long Term Residence = 8+ years<br>Months Reserves exceed minimum required - Lender minimum reserves 0m PITIA, borrower reserves 1.16m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4638894 |
| XXXX | XXXX | 304758127 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 | 304892633 D B A | Closed | FCRE2244 | 2025-08-15 10:37 | 2025-09-18 17:26 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Picture of the water heater, double strapped, was provided. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/17/2025 <br> Open-Property Issues are identified for the property Water heater is not double strapped. Required by XX law. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/17/2025<br>| Resolved-Picture of the water heater, double strapped, was provided. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 13 mths in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 680- Borrower's FICO 823 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5192237 |
| XXXX | XXXX | 304892633 D B A | Closed | FCRE1194 | 2025-08-15 10:44 | 2025-08-25 15:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver 80%LTV>75% LTV maximum– wavier applied with reviewed compfactors - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% DSCR .75 to .999 requires 5% LTV reduction. Max LTV is 75% - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/21/2025<br>| Waived-Originator provided a waiver 80%LTV>75% LTV maximum– wavier applied with reviewed compfactors - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 13 mths in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 680- Borrower's FICO 823 | Residence: 4 years at primary residence<br> FICO: 823>680 minimum required<br> Reserves: 13>6 months minimum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5192366 |
| XXXX | XXXX | 304892633 D B A | Closed | FCRE0700 | 2025-08-15 09:52 | 2025-08-19 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received page 3 of CD. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Please see attached the missing XXXX CD page 3 of 5. - Seller-08/15/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing page 3 of 5 of the Final CD that matches the final 1003. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Please see attached the missing XXXX CD page 3 of 5. - Seller-08/15/2025 | Resolved-Received page 3 of CD. - Due Diligence Vendor-08/19/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 13 mths in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO score 680- Borrower's FICO 823 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5191375 |
| XXXX | XXXX | 304856813 C B A | Closed | FCRE1197 | 2025-08-19 08:22 | 2025-08-19 09:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO < 700 with rural property, Non-material waiver applied with comp factors. non-material due to good on time payments. - Due Diligence Vendor-08/19/2025 <br> Open-Audited FICO of 691 is less than Guideline FICO of 700 Exception request: Min FICO for Rural 700-- Borrower's FICO 691-- requesting to allow Rural DSCR under XXXX DSCR w/ 691 FICO . - Due Diligence Vendor-08/19/2025 |  | Waived-Originator exception granted to allow FICO < 700 with rural property, Non-material waiver applied with comp factors. non-material due to good on time payments. - Due Diligence Vendor-08/19/2025<br>| Credit history exceeds minimum required - Borrower has 24+ months credit exceeds the minimum required <br>Months Reserves exceed minimum required - Min reserves required 0 mths--- Borrower has 86.5 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5224947 |
| XXXX | XXXX | 304856813 C B A | Closed | FCRE1232 | 2025-08-19 08:16 | 2025-08-19 09:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow DSCR < 1 with rural property %, Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-08/19/2025 <br> Open-The Calculated DSCR of '0.321' is less than the minimum DSCR per lender guidelines of '1'. Exception Request: DSCR 1% required for rural properties--- to allow Rural DSCR under XXXX DSCR < 1%. - Due Diligence Vendor-08/19/2025 |  | Waived-Originator exception granted to allow DSCR < 1 with rural property %, Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-08/19/2025<br>| Credit history exceeds minimum required - Borrower has 24+ months credit exceeds the minimum required <br>Months Reserves exceed minimum required - Min reserves required 0 mths--- Borrower has 86.5 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5224889 |
| XXXX | XXXX | 304856813 C B A | Closed | FPRO1249 | 2025-08-19 07:53 | 2025-08-19 09:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow Rural Property with > 20 acres. , Non-material waiver applied with comp factors. non-material due to property is 20.2 acres. - Due Diligence Vendor-08/19/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception Request: To allow Rural DSCR under XXXX DSCRR with 691 FICO and DSCR <1 rural properties up to 21 acres. Program max is 20 acres for rural properties and subject is 20.2 acres. - Due Diligence Vendor-08/19/2025 |  | Waived-Originator exception granted to allow Rural Property with > 20 acres. , Non-material waiver applied with comp factors. non-material due to property is 20.2 acres. - Due Diligence Vendor-08/19/2025<br>| Credit history exceeds minimum required - Borrower has 24+ months credit exceeds the minimum required <br>Months Reserves exceed minimum required - Min reserves required 0 mths--- Borrower has 86.5 mths in reserves | - Reserves 3+ months above minimum required<br> - 24+ month credit history exceeds minimum required<br> - 4+ yrs in primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5224642 |
| XXXX | XXXX | 304892637 C B A | Closed | FVAL1101 | 2025-08-22 11:47 | 2025-11-24 15:56 | Waived | 2 - Non-Material C B | Property | Appraisal | Property address on appraisal does not match executed note | Waived-Document Uploaded. Originator waiver applied to non-material finding. Borrower is a XXXX, received confirmation they have been signed but were mailed back. A copy of the un-singed documents have been provided. - Due Diligence Vendor-11/24/2025 <br> Counter-XXXX is the correct address per the purchase agreement. The APN for this property is reflected in the legal on the mortgage, however, the Note reflects the XXXX address with no APN. The Note is not for this property. The XXXX Rider is not for this property, no APN included. Please provide corrected Note and XXXX Rider, etc - Due Diligence Vendor-10/13/2025 <br> Ready for Review-We note that the Legal Description is what holds precedence when recording. Since the Legal description matches through out the documents, our lien is will be properly secured to the property and correction of the Street Address is not required. Please clear this condition. - Seller-10/10/2025 <br> Counter-Please provide the corrected documents reflecting the correct address. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Please waive the finding as the legal description on the DOT matches the legal description on title. An address correction is not required. - Seller-09/16/2025 <br> Counter-Received legal description-finding remains-Address discrepancy between various docs: XXXX (Note, Legal, XXXX Rider, etc) XXXX (Appraisal, Title, Final CD, etc) - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. Pg 141 of 206 is the Legal Description - Exhibit A. - Seller-09/08/2025 <br> Ready for Review-Please waive the finding as the legal description on the DOT matches the legal description on title. An address correction is not required.<br>- Seller-09/08/2025 <br> Open-Address discrepancy between various docs:<br> XXXX (Note, Legal, XXXX Rider, etc) <br> XXXX (Appraisal, Title, Final CD, etc) - Due Diligence Vendor-08/22/2025 | Ready for Review-We note that the Legal Description is what holds precedence when recording. Since the Legal description matches through out the documents, our lien is will be properly secured to the property and correction of the Street Address is not required. Please clear this condition. - Seller-10/10/2025 <br>Ready for Review-Please waive the finding as the legal description on the DOT matches the legal description on title. An address correction is not required. - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. Pg 141 of 206 is the Legal Description - Exhibit A. - Seller-09/08/2025 <br>Ready for Review-Please waive the finding as the legal description on the DOT matches the legal description on title. An address correction is not required.<br>- Seller-09/08/2025<br>| Waived-Document Uploaded. Originator waiver applied to non-material finding. Borrower is a FN, received confirmation they have been signed but were mailed back. A copy of the un-singed documents have been provided. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - Max LTV 70%; LTV is 50%<br>DSCR % greater than 1.20 - DSCR 1.348 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5283167 |
| XXXX | XXXX | 304892634 C A | Closed | FCRE1480 | 2025-08-23 10:48 | 2025-08-26 16:11 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received conversion. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Disagree as these documents were included in the original file upload - Seller-08/25/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements. Must be verified in U.S. Dollar equivalency at the current exchange rate via either XXXX or the XXXX conversion table. Missing the US Converter for acct#XXXX. - Due Diligence Vendor-08/23/2025 | Ready for Review-Document Uploaded. Disagree as these documents were included in the original file upload - Seller-08/25/2025<br>| Resolved-Received conversion. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - LTV is 50% and max allowed is 70%<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.554% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5292556 |
| XXXX | XXXX | 304817022 D A C | Closed | FCRE1197 | 2025-08-27 09:00 | 2025-09-03 16:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the matrix states to use XXXX doc matrix for bank statement income. Audited FICO of 642 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Page 5 of the previously uploaded matrix states \*Bank Statements: Please Refer to XXXX Matrix for Eligibility. Please see attached - Seller-08/29/2025 <br> Counter-Subject loan was submitted with XXXX matrix. This matrix does not say to refer to XXXX. 660 minimum FICO is required for Purchase of a Primary and LTV of 80% - Due Diligence Vendor-08/29/2025 <br> Ready for Review-The eligibility for Personal or Business Bank statements is based on the XXXX Doc Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/28/2025 <br> Counter-Loan approval and Tape reflect program as XXXX 30 year fixed -680 fico required. Please advise. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Personal Bank statement income verification and per the attached XXXX matrix, dated XXXX, the eligibility for Personal or Business Bank statements is based on the XXXX Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/27/2025 <br> Open-Audited FICO of 642 is less than Guideline FICO of 680 Bwr FICO score below min FICO score as per guide/matrix, no exception evident on file. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Page 5 of the previously uploaded matrix states \*Bank Statements: Please Refer to XXXX Matrix for Eligibility. Please see attached - Seller-08/29/2025 <br> Ready for Review-The eligibility for Personal or Business Bank statements is based on the XXXX Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Personal Bank statement income verification and per the attached XXXX matrix, dated XXXX, the eligibility for Personal or Business Bank statements is based on the XXXX Matrix (see page 5 in red). As such, the 642 FICO meets the requirements. - Seller-08/27/2025 | Resolved-Upon further review, the matrix states to use Full-lite doc matrix for bank statement income. Audited FICO of 642 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | 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 | 5330414 |
| XXXX | XXXX | 304817022 D A C | Closed | finding-3635 | 2025-08-25 21:37 | 2025-08-29 07:29 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Service Provider list XXXX. Finding resolved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <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% ($3,804.10) exceed the comparable charges ($2,896.00) 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 (title fees in section C) increased by $618.50 without a valid COC in file. They are tested at 10% since the Service Provider list was not provided at same time as the initial LE. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $618.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. <br> - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received Service Provider list XXXX. Finding resolved. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | 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 | 5311444 |
| XXXX | XXXX | 304817022 D A C | Closed | FCRE1252 | 2025-08-27 12:00 | 2025-08-28 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received preliminary title. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025 <br>Open-Title Document is Incomplete Title doc is encrypted. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/27/2025<br>| Resolved-Received preliminary title. - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - 24 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11k) |  | 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 | 5334401 |
| XXXX | XXXX | 304817034 D B C A | Closed | FPRO1242 | 2025-08-28 13:45 | 2026-03-26 11:23 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-Appraisal is Missing Valuations missing from uploaded documents - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. |  | 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 | 5350391 |
| XXXX | XXXX | 304817034 D B C A | Closed | FPRO1253 | 2025-08-28 15:55 | 2025-09-02 15:43 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXXX with score 2.2. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br> Open-Missing to support appraisal once received. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received CU with score 2.2. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. |  | 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 | 5352579 |
| XXXX | XXXX | 304817034 D B C A | Closed | FCRE6763 | 2025-08-28 15:50 | 2025-08-28 15:56 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow not meeting guideline for rental income. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor and 1007 provided more than supports qualifying rental income. - Due Diligence Vendor-09/02/2025 <br>Open-Missing lease plus two months proof of receipt for non subject REO properties, two total. Using lease + 1007 on one and 1007 only on the other. - Due Diligence Vendor-08/28/2025 |  | Waived-Client exception granted to allow not meeting guideline for rental income. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor and 1007 provided more than supports qualifying rental income. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. | Mortgage History 0X30 24+ months<br> 5+ years SE history<br> Residual Income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5352437 |
| 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 XXXX-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 | 305039372 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825203 C A | Closed | FPRO1257 | 2025-09-09 09:21 | 2025-09-18 17:41 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received original Appraisal used for qualification, XXXX and an SSR with a XXXX score of 2 - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. he appraised value used for qualification is XXXX as per appraisal and final 1008, \*not\* XXXX. Please waive this finding - Seller-09/16/2025 <br> Counter-XXXX provided states the Appraised Value is XXXX. The appraised value used for qualification is XXXX. Please provide a review product for the appraisal that was used for qualification. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-The SSR uploaded already reflects value of XXXX as per appraisal. Please waive this finding or escalate to XXXX management - Seller-09/12/2025 <br> Counter-SSR received reflects a different appraisal value. Please provide secondary valuation. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. SSRs have been uploaded and were with submission package. please waive this finding - Seller-09/10/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing second valuation product for subject property. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. he appraised value used for qualification is XXXX as per appraisal and final 1008, \*not\* XXXX. Please waive this finding - Seller-09/16/2025 <br> Ready for Review-The SSR uploaded already reflects value of XXXX as per appraisal. Please waive this finding or escalate to XXXX management - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. SSRs have been uploaded and were with submission package. please waive this finding - Seller-09/10/2025 | Resolved-Received original Appraisal used for qualification, XXXX and an SSR with a LCA score of 2 - Due Diligence Vendor-09/18/2025 | LTV is less than guideline maximum - LTV of 66.35% is below the maximum of 70% allowed per guidelines<br>Months Reserves exceed minimum required - Verified assets of 35.09 months exceeds the minimum required of 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5463387 |
| XXXX | XXXX | 304892632 C A | Closed | FCOM2276 | 2025-09-08 12:24 | 2025-09-15 10:49 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded - Seller-09/12/2025 <br> Open------Disbursement date XXXX on Final CD is prior to Closing Date of XXXX. Prepaid Interest in section F of the last CD is also affected. Please provide a PCCD. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. PCCD uploaded - Seller-09/12/2025<br>| Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/15/2025 | Qualifying DTI below maximum allowed - Max DTI is 50.40%, borrowers DTI is 31.79%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 782 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5450916 |
| XXXX | XXXX | 304825171 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304856666 C A | Closed | FCRE1232 | 2025-09-26 16:48 | 2025-10-02 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Loan switched to a XXXX, which has no minimum DSCR. - Due Diligence Vendor-10/02/2025 <br> Open-The Calculated DSCR of '0.544' is less than the minimum DSCR per lender guidelines of '1'. Calculated DTI is .544, guideline min. is 1. Exception form in the file to allow DSCR of .517. Reamians material. - Due Diligence Vendor-09/29/2025 |  | Resolved-Loan switched to a XXXX, which has no minimum DSCR. - Due Diligence Vendor-10/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 707, guidelines require 700<br>On time mortgage history exceeds guideline requirement - Mortgage history ois 0x30x57 months.<br>LTV is less than guideline maximum - LTV is 60%, guideline require 65% | 0X30X24, 60% LTV, 707 fico |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5691918 |
| XXXX | XXXX | 304856666 C A | Closed | FCRE1199 | 2025-09-26 17:08 | 2025-10-02 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Loan switched to a XXXX, max loan amount XXXX. - Due Diligence Vendor-10/02/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Subject loan amlunt is XXXX, guideline maximum is XXXX, approved exception form in the file. - Due Diligence Vendor-09/26/2025 |  | Resolved-Loan switched to a XXXX, max loan amount $2MM. - Due Diligence Vendor-10/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score is 707, guidelines require 700<br>On time mortgage history exceeds guideline requirement - Mortgage history ois 0x30x57 months.<br>LTV is less than guideline maximum - LTV is 60%, guideline require 65% | 0X30X24, 60% LTV, 707 fico |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5692159 |
| XXXX | XXXX | 304856806 D B A | Closed | FCRE1194 | 2025-09-29 09:59 | 2025-10-14 15:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV 70% on XXXX, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Counter-Received exception. Please provide 1004D referenced in the exception. This was not provided in the original file. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 <br> Open-Audited LTV of 69.89% exceeds Guideline LTV of 65% Per appraisal subject is a XXXX, subject room appears to have a XXXX layout with mini fridge and no stove. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025<br>| Waived-Originator provided a waiver for LTV 70% on Condo Hotel, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 2 mths-- Borrower has 4.99 mths in reserves <br>Credit history exceeds minimum required - 24+ month credit history 0x30 | Reserves: 3+ months more than required minimum reserves<br> Credit history: 0x30 for 24+ months verified. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5700827 |
| XXXX | XXXX | 304856806 D B A | Closed | FCRE1197 | 2025-09-27 08:47 | 2025-10-01 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received Credit Report reflecting qualifying fico. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 <br>Open-Audited FICO of is less than Guideline FICO of 640 Missing confirmation of the borrower's FICO scores. - Due Diligence Vendor-09/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025<br>| Resolved-Received Credit Report reflecting qualifying fico. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 2 mths-- Borrower has 4.99 mths in reserves <br>Credit history exceeds minimum required - 24+ month credit history 0x30 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5694190 |
| XXXX | XXXX | 304856806 D B A | Closed | FCRE5770 | 2025-09-27 08:27 | 2025-10-01 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing Borrower's Credit Report. Upon receipt and review, additional conditions may apply. - Due Diligence Vendor-09/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 2 mths-- Borrower has 4.99 mths in reserves <br>Credit history exceeds minimum required - 24+ month credit history 0x30 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5694153 |
| XXXX | XXXX | 304875585 C B A | Closed | FCRE1510 | 2025-10-15 21:21 | 2025-10-21 16:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary and Signature page of the Security Instrument. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached document - pages 37 to 38 of Signed closing package shows Notary and signature page. - Seller-10/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing notary and signature page. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Please see attached document - pages 37 to 38 of Signed closing package shows Notary and signature page. - Seller-10/17/2025<br>| Resolved-Received Notary and Signature page of the Security Instrument. - Due Diligence Vendor-10/21/2025<br>| LTV is less than guideline maximum - LTV is 70% with max allowed to 75%<br>Credit history exceeds minimum required - Mortgage history exceeds 12 mo's. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5911003 |
| XXXX | XXXX | 304875585 C B A | Closed | FCRE1198 | 2025-10-16 15:53 | 2025-10-21 16:01 | 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 insufficient reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception request form. - Seller-10/17/2025 <br>Open-Audited Reserves of 3.31 month(s) are less than Guideline Required Reserves of 6 month(s) 6 months reserves required per guidelines - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Please see attached Exception request form. - Seller-10/17/2025<br>| Waived-Originator provided a waiver for insufficient reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/21/2025<br>| LTV is less than guideline maximum - LTV is 70% with max allowed to 75%<br>Credit history exceeds minimum required - Mortgage history exceeds 12 mo's. | Housing History 0x30x24<br> Reducing PI payment 10%<br> 24 month credit history exceeds minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5922146 |
| 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 | 304875512 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875514 D A | Closed | FCRE5770 | 2025-10-20 15:04 | 2025-10-31 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit supplement. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supplement for XXXX. - Seller-10/30/2025 <br> Counter-XXXX date last active is XXXX - Due Diligence Vendor-10/28/2025 <br> Ready for Review-The credit report delivered with the loan file dated XXXX reports both XXXX and XXXX thru XXXX with no lates in the last 12 months. No additional statements are required. - Seller-10/24/2025 <br> Counter-Received statement for XXXX reflecting XXXX payment and statement for XXXX dated XXXX showing payment made XXXX. Missing confirmation of XXXX payment. For XXXX-missing 7/1 and 8/1 payments made (received Nov statement). Credit supplements or VOMs recommended. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 77-86 and attached herein. - Seller-10/22/2025 <br> Counter-Received credit report-missing updated rating for both mortgages within 30 days of application date-XXXX dla 8/1 and XXXX dla 7/1-application date XXXX - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br> Open-Borrower 1 Credit Report is Missing. MISSING - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached Credit Supplement for NAF. - Seller-10/30/2025 <br> Ready for Review-The credit report delivered with the loan file dated XXXX reports both XXXX and XXXX thru XXXX with no lates in the last 12 months. No additional statements are required. - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 77-86 and attached herein. - Seller-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 | Resolved-Received credit supplement. - Due Diligence Vendor-10/31/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950022 |
| XXXX | XXXX | 304875514 D A | Closed | FCRE5771 | 2025-10-20 15:04 | 2025-10-31 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received borrower 2 Credit Report. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br>Open-Borrower 2 Credit Report is Missing. MISSING - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025<br>| Resolved-Received borrower 2 Credit Report. - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950023 |
| XXXX | XXXX | 304875514 D A | Closed | FCRE1197 | 2025-10-20 15:27 | 2025-10-22 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 768 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-10/22/2025 <br>Ready for Review-The credit reports have been attached to related findings. The qualifying FICO is 768. - Seller-10/21/2025 <br>Open-Audited FICO of is less than Guideline FICO of 700 missing credit report for both - Due Diligence Vendor-10/20/2025 | Ready for Review-The credit reports have been attached to related findings. The qualifying FICO is 768. - Seller-10/21/2025<br>| Resolved-Audited FICO of 768 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950373 |
| XXXX | XXXX | 304875545 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 | 304892630 D B A | Closed | FCRE1197 | 2025-10-22 19:49 | 2025-11-12 07:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Received exception waiver for 5% LTV exception. Originator waiver applied with comp factors to non-material finding - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Please see attached Exception allowing LTV up to 75% with a 653 FICO - Seller-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception allowing LTV up to 75% with a 653 FICO - Seller-11/07/2025 <br>Open-Audited FICO of 653 is less than Guideline FICO of 660 At 75% LTV min score is 660 - Due Diligence Vendor-10/22/2025 | Ready for Review-Please see attached Exception allowing LTV up to 75% with a 653 FICO - Seller-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception allowing LTV up to 75% with a 653 FICO - Seller-11/07/2025<br>| Waived-Received exception waiver for 5% LTV exception. Originator waiver applied with comp factors to non-material finding - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - 3 mos reserves needed - with cash back - borrower has 67.75 remaining<br>Credit history exceeds minimum required - Credit history exceeds 24 mo's with 0x30 | 24+ months credit history exceeds minimum required<br> Reserves 3+ months above minimum requirement | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5981250 |
| XXXX | XXXX | 304892630 D B A | Closed | FCRE1316 | 2025-10-21 10:20 | 2025-11-04 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE within 10 days of closing is missing. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025<br>| Resolved-Received pre close VVOE - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - 3 mos reserves needed - with cash back - borrower has 67.75 remaining<br>Credit history exceeds minimum required - Credit history exceeds 24 mo's with 0x30 |  | 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 | 5957223 |
| XXXX | XXXX | 304875580 C A | Closed | FCRE1440 | 2025-10-21 10:08 | 2025-10-27 14:52 | 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. Statement documents 2 interest payments have been made confirming XXXX payment. - Due Diligence Vendor-10/27/2025 <br> Ready for Review- XXXX mortgage statement provides the last payment breakdown with no late fees. - Seller-10/23/2025 <br> Counter-First payment should be XXXX-provide acceptable VOM. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-The borrower acquired the property XXXX. As such the first payment would be in XXXX. The delivered loan file included the XXXX mortgage statement with payments from XXXX. Additionally it is noted that the payoff statement does not reflect any late fees. - Seller-10/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need full VOM w/ XXXX property to cover the time of inception of the loan. - Due Diligence Vendor-10/21/2025 | Ready for Review- XXXX mortgage statement provides the last payment breakdown with no late fees. - Seller-10/23/2025 <br> Ready for Review-The borrower acquired the property XXXX. As such the first payment would be in XXXX. The delivered loan file included the XXXX mortgage statement with payments from XXXX. Additionally it is noted that the payoff statement does not reflect any late fees. - Seller-10/21/2025 | Resolved-Upon further review, the loan file contained all required documentation. Statement documents 2 interest payments have been made confirming XXXX payment. - Due Diligence Vendor-10/27/2025 | Months Reserves exceed minimum required - 28.22 months reserves exceed required 3 by 25.22 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5957051 |
| XXXX | XXXX | 304875580 C A | Closed | FCRE1509 | 2025-10-21 12:38 | 2025-10-23 14:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed Note. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025 <br>Open-Note is not executed - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025<br>| Resolved-Received executed Note. - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - 28.22 months reserves exceed required 3 by 25.22 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 728 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5960241 |
| XXXX | XXXX | 304875450 D A | Closed | FCRE0177 | 2025-10-21 14:47 | 2025-10-30 14:04 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received revised 1008/1003 qualifying with full PITIA on subject. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached correct 1008 - Seller-10/28/2025 <br> Counter-1008 received reflects rental income considered for subject property-missing 1007 comparable rent schedule to support. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Disagree, not a valid finding. Lender notes no 1007 is required for this scenario, no rents are being used to qualify and XXXX Guidelines do not require the 1007 when not using rents to qualify. - Seller-10/22/2025 <br> Open-Missing Third Party Market Rent Source Missing 1007/ Rent Schedule for the subject. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached correct 1008 - Seller-10/28/2025 <br> Ready for Review-Disagree, not a valid finding. Lender notes no 1007 is required for this scenario, no rents are being used to qualify and XXXX Guidelines do not require the 1007 when not using rents to qualify. - Seller-10/22/2025 | Resolved-Received revised 1008/1003 qualifying with full PITIA on subject. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths-- Borrower has 14.77 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50.49--- Borrower's DTI is under 17% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5962430 |
| XXXX | XXXX | 304875457 D A | Closed | FPRO1253 | 2025-10-24 10:09 | 2025-11-24 13:15 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025 <br> Open-XXXX in file contains a score of 4.6, missing secondary valuation to support appraisal. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025<br>| Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - maximum is 65% LTV - actual is 55.46% LTV<br> Verified employment history exceeds guidelines - Experienced Investor - since XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6003716 |
| XXXX | XXXX | 304875457 D A | Closed | FCOM1221 | 2025-10-22 09:17 | 2025-10-28 15:02 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received all pages of the DOT - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. I tested the new upload with Mtg DOT & Legal - Seller-10/24/2025 <br> Counter-Review is unable to open upload XXXX at 2:35. Please re upload complete security instrument. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025 <br> Open-The Deed of Trust is Incomplete Missing signature and notary pages. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. I tested the new upload with Mtg DOT & Legal - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025<br>| Resolved-Received all pages of the DOT - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - maximum is 65% LTV - actual is 55.46% LTV<br> Verified employment history exceeds guidelines - Experienced Investor - since XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5969661 |
| XXXX | XXXX | 304875457 D A | Closed | FCRE1201 | 2025-10-22 09:26 | 2025-10-23 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud Report - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/22/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - maximum is 65% LTV - actual is 55.46% LTV<br> Verified employment history exceeds guidelines - Experienced Investor - since XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5969790 |
| XXXX | XXXX | 304875457 D A | Closed | FCRE1148 | 2025-10-22 09:24 | 2025-10-23 14:12 | 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-10/23/2025 <br>Ready for Review-Please see attached - Seller-10/22/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage missing - Due Diligence Vendor-10/22/2025 | Ready for Review-Please see attached - Seller-10/22/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - maximum is 65% LTV - actual is 55.46% LTV<br> Verified employment history exceeds guidelines - Experienced Investor - since XXXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5969763 |
| 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 > XXXX, 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 | 304875394 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875601 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875439 C A | Closed | FCRE0970 | 2025-10-28 12:34 | 2025-11-13 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Updated XXXX provided for the current appraisal. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/12/2025 <br> Counter-XXXX appraisal is not for the Appraised value used for qualification. Please provide the Desk Review reflecting the Appraised value of XXXX required for securitization. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025 <br> Counter-Received both appraisal. XXXX in file does not match all data points for appraisal being used. Finding remains. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see attached both appraisals. - Seller-10/30/2025 <br> Counter-No document uploaded. XXXX in file does not match appraisal being used. All data points must match. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The XXXX was completed based on the original appraisal. The difference is that the appraisal was updated to show the correct bath count (Changed from XXXX to XXXX) which decreased the value slightly; however, it is unreasonable to order a new XXXX when the lower value was being used to qualify. Both appraisals are in the file and would be supported by the XXXX. - Seller-10/29/2025 <br> Open-XXXX value does not match appraisal value. (Name of appraiser and date are correct) - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025 <br>Ready for Review-Document Uploaded. Please see attached both appraisals. - Seller-10/30/2025 <br>Ready for Review-The CDA was completed based on the original appraisal. The difference is that the appraisal was updated to show the correct bath count (Changed from 3 to 2.1) which decreased the value slightly; however, it is unreasonable to order a new CDA when the lower value was being used to qualify. Both appraisals are in the file and would be supported by the CDA. - Seller-10/29/2025<br>| Resolved-Updated CDA provided for the current appraisal. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - 35.03% DTI below max allowed of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 796 |  | 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 | 6039182 |
| XXXX | XXXX | 304875527 C B A | Closed | FCRE1194 | 2025-10-30 16:35 | 2025-11-05 08:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors. To allow loan amount of XXXX - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception used for Final loan approval - Seller-10/31/2025 <br> Open-Audited LTV of 63.57% exceeds Guideline LTV of 0% Per XXXX matrix, dated XXXX, a rate/term refinance of a non-owner occupied residence utilizing the bank statement program is not available beyond a loan amount of XXXX. The subject loan amount is XXXX. As a result, the transaction is ineligible. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached Exception used for Final loan approval - Seller-10/31/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. To allow loan amount of $XXXX million - Due Diligence Vendor-11/05/2025 | Qualifying DTI below maximum allowed - 21.88% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 774 qualifying FICO score, 720 minimum score required. | FICO of 774 is more than 20 points above min allowed<br> 0x30x24 credit history<br> 20+ years on job | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6075046 |
| XXXX | XXXX | 304875527 C B A | Closed | FCRE1199 | 2025-10-30 11:54 | 2025-11-05 08:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator waiver applied to non-material finding with compensating factors. To allow loan amount of XXXX - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception used for Final loan approval - Seller-10/31/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Max loan amount is XXXX, subject loan is XXXX. It should be noted that the lender's 1008 reflects a need for a loan amount exception. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached Exception used for Final loan approval - Seller-10/31/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. To allow loan amount of XXXX - Due Diligence Vendor-11/05/2025 | Qualifying DTI below maximum allowed - 21.88% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - 774 qualifying FICO score, 720 minimum score required. | FICO of 774 is more than 20 points above min allowed<br> 0x30x24 credit history<br> 20+ years on job | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6069980 |
| XXXX | XXXX | 304875572 C A | Closed | FCOM1978 | 2025-10-28 15:51 | 2025-11-24 09:27 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-------Received acknowledgement borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Audit Trail showing the borrower e-signed her docs and gave Intent to Proceed on XXXX - Seller-11/21/2025 <br> Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached Audit Trail showing the borrower e-signed her docs and gave Intent to Proceed on XXXX - Seller-11/21/2025 | Resolved-------Received acknowledgement borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025<br>| Qualifying DTI below maximum allowed - DTI of 42.31% is below the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 30.89 months exceeds the minimum required of 3 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6043063 |
| XXXX | XXXX | 304892513 C A B | Closed | FCRE0184 | 2025-10-31 11:08 | 2025-11-07 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see Business Purpose Affidavit confirming all funds are to be used for business. - Seller-11/05/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Not found in uploaded documents - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see Business Purpose Affidavit confirming all funds are to be used for business. - Seller-11/05/2025<br>| Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-11/07/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .80, borrowers DSCR is above 1.0 at 1.075<br>Months Reserves exceed minimum required - 3 month minimum reserve required, borrower has 89.4 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6082532 |
| XXXX | XXXX | 304892513 C A B | Closed | FPRO0022 | 2025-10-31 11:08 | 2025-11-05 13:43 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-The appraisal was completed on after the disaster on XXXX. Disaster end date XXXX. - Due Diligence Vendor-11/05/2025 <br> Open-FEMA disaster after appraisal without a Public PDI or 1004D. No comments found in appraisal<br> XXXX Severe Storms, Straight-line Winds, Tornadoes, and Flooding (XXXX)<br> Incident Period: XXXX- XXXX<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-10/31/2025 |  | Resolved-The appraisal was completed on after the disaster on XXXX. Disaster end date XXXX. - Due Diligence Vendor-11/05/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .80, borrowers DSCR is above 1.0 at 1.075<br>Months Reserves exceed minimum required - 3 month minimum reserve required, borrower has 89.4 documented |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6082531 |
| XXXX | XXXX | 304892601 D A | Closed | FPRO1256 | 2025-11-03 09:57 | 2026-05-21 16:43 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received confirmation subject is not part of affordability restriction. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached email from the Title company - XXXX.com indicating subject property unit is not part of the Affordable Housing Restriction. Please clear this finding. - Seller-11/28/2025 <br> Counter-Received restrictions-Affordable Housing-provide confirmation subject is not noted within restriction. Title requirement #15, email from title or appraiser to confirm. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. The deed or resale restrictions are based on the Affordable Housing Unit. - Seller-11/04/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Project to confirm what exactly the deed or resale restrictions are based on questionnaire box checked pg 450. Additional findings may apply as it may affect warrantability. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see attached email from the Title company - XXXX indicating subject property unit is not part of the Affordable Housing Restriction. Please clear this finding. - Seller-11/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. The deed or resale restrictions are based on the Affordable Housing Unit. - Seller-11/04/2025 | Resolved-Received confirmation subject is not part of affordability restriction. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 676<br>LTV is less than guideline maximum - Max LTV is 75%, loan is at 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6097496 |
| XXXX | XXXX | 304892601 D A | Closed | FCRE2244 | 2025-11-03 09:57 | 2026-05-21 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received comparable descriptions, no further action required. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX document. The Appraiser use the one tower that is a dedicated residential tower (XXXX) for comparable sale no. 1 - XXXX and the comparable rent schedule shows 2 addresses that is also located on XXXX, XXXX and XXXX. No issues found. Please clear this finding. - Seller-11/14/2025 <br> Counter-Comparable 1 and rental comparables appear to be XXXX, per photos. Appraiser to confirm subject is not a XXXX and clarify use of XXXX as comparables and rental comparables (or confirm comparables considered are not XXXX). Additional conditions may apply - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-I disagree. Please see attached HOA cert item 8- The project does not allow or have XXXX;/XXXX/XXXX activities, mandatory or voluntary rental-pooling arrangements, or other restrictions on the unit owner's ability to occupy the unit. Also, XXXX on XXXX is not a XXXX in the sense of being a XXXX-style condominium with nightly rentals. It is a residential condominium development with fee-simple ownership and a prohibition (or strong restriction) on short-term rentals (daily/weekly). The rental minimum of ~30 days suggests it is aimed at residential leasing rather than XXXX operations. Please clear this finding or escalate to management. - Seller-11/04/2025 <br> Open-Property Issues are identified for the property Pg 426 shows "XXXX" which is a XXXX chain. Appraiser to elaborate on this and confirm whether subject is a XXXX. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see attached XXXX document. The Appraiser use the one tower that is a dedicated residential tower (XXXX) for comparable sale no. 1 - XXXX and the comparable rent schedule shows 2 addresses that is also located on XXXX, XXXX and XXXX. No issues found. Please clear this finding. - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-I disagree. Please see attached HOA cert item 8- The project does not allow or have XXXX;/XXXX/XXXX activities, mandatory or voluntary rental-pooling arrangements, or other restrictions on the unit owner's ability to occupy the unit. Also, XXXX on XXXX is not a XXXX in the sense of being a XXXX-style condominium with nightly rentals. It is a residential condominium development with fee-simple ownership and a prohibition (or strong restriction) on short-term rentals (daily/weekly). The rental minimum of ~30 days suggests it is aimed at residential leasing rather than hotel operations. Please clear this finding or escalate to management. - Seller-11/04/2025 | Resolved-Received comparable descriptions, no further action required. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 676<br>LTV is less than guideline maximum - Max LTV is 75%, loan is at 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6097497 |
| XXXX | XXXX | 304892601 D A | Closed | FCRE0108 | 2025-10-31 12:56 | 2025-11-18 13:32 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received confirmation of sufficient Fidelity Coverage. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached Master Insurance Policy. The XXXX policy's Crime Insurance section includes Employee Dishonesty coverage, which satisfies XXXX's fidelity insurance requirement. Per XXXX Selling Guide B7-1-04, fidelity/employee dishonesty coverage must protect the HOA/association against loss resulting from fraudulent or dishonest acts by officers, directors, or employees. The Crime coverage in the master policy provides this protection. Also, the Crime/Employee Dishonesty coverage in the policy meets the minimum amount required of $1 million per XXXX guidelines. Please clear this finding. <br> - Seller-11/14/2025 <br> Open-Fidelity Coverage not met. XXXX Policy does not reflect Fidelity coverage-need clarification if the crime coverage covers fidelity employee dishonesty. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see attached Master Insurance Policy. The XXXX policy's Crime Insurance section includes Employee Dishonesty coverage, which satisfies XXXX's fidelity insurance requirement. Per XXXX Selling Guide B7-1-04, fidelity/employee dishonesty coverage must protect the HOA/association against loss resulting from fraudulent or dishonest acts by officers, directors, or employees. The Crime coverage in the master policy provides this protection. Also, the Crime/Employee Dishonesty coverage in the policy meets the minimum amount required of $1 million per XXXX guidelines. Please clear this finding. <br> - Seller-11/14/2025 | Resolved-Received confirmation of sufficient Fidelity Coverage. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 676<br>LTV is less than guideline maximum - Max LTV is 75%, loan is at 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6084905 |
| XXXX | XXXX | 304875491 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875490 C A | Closed | FCRE1317 | 2025-11-04 12:41 | 2025-11-19 08:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Document Uploaded. Fictitious Business Name Search reflects the business name was filed XXXX or 24 months prior. - Due Diligence Vendor-11/19/2025 <br> Counter-XXXX taxes and internet print out provided. Please provide documentation to support the company has been operational for at least 2 years and the business is currently active and in good standing as required by the guidelines. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verification that the borrower's business, XXXX, has been operational for at least 2 years and the business is currently active and in good standing. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Document Uploaded. Fictitious Business Name Search reflects the business name was filed XXXX or 24 months prior. - Due Diligence Vendor-11/19/2025 | LTV is less than guideline maximum - Max LTV is 70%, borrower's LTV is 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrower's mid score is 713 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6119011 |
| XXXX | XXXX | 304892604 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304892508 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892583 C A | Closed | FCRE1198 | 2025-11-06 12:30 | 2025-11-10 15:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-We respectfully disagree. Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater. Current P&I payment was $3561.43, new P&I is $2,618.49, a reduction of over 10%.<br> - Seller-11/07/2025 <br>Open-Audited Reserves of 1.11 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-11/06/2025 | Ready for Review-We respectfully disagree. Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater. Current P&I payment was $3561.43, new P&I is $2,618.49, a reduction of over 10%.<br> - Seller-11/07/2025<br>| Resolved-Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater. - Due Diligence Vendor-11/10/2025<br>| Verified employment history exceeds guidelines - Borrower has been at employer for 10+ years<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.19 is less than the guideline max of 43. |  |  | 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 | 6157513 |
| XXXX | XXXX | 304892583 C A | Closed | FCRE1510 | 2025-11-05 09:22 | 2025-11-10 15:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage Document (Deed of Trust) was provided with the legal description. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----missing Legal Description - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025<br>| Resolved-Mortgage Document (Deed of Trust) was provided with the legal description. - Due Diligence Vendor-11/10/2025<br>| Verified employment history exceeds guidelines - Borrower has been at employer for 10+ years<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.19 is less than the guideline max of 43. |  | 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 | 6131197 |
| XXXX | XXXX | 304892583 C A | Closed | finding-3634 | 2025-11-05 09:57 | 2025-11-10 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Supporting documents uploaded - Seller-11/07/2025 <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 $169.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Tolerance violation for $169.25, Lender credits above legal limit is $168.95. 0% tolerance remaining is $0.30 - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Supporting documents uploaded - Seller-11/07/2025<br>| Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/10/2025<br>| Verified employment history exceeds guidelines - Borrower has been at employer for 10+ years<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.19 is less than the guideline max of 43. |  | 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 | 6131792 |
| XXXX | XXXX | 304896975 D B A | Closed | FCRE1198 | 2025-11-06 19:42 | 2025-11-18 12:35 | 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-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing loan to close with 1 month in reserves. Also, Please note that the XXXX Guide allows XXXX borrower and the XXXX Overlay was removed, therefore the XXXX exception is not required. - Seller-11/13/2025 <br> Open-Audited Reserves of 1.32 month(s) are less than Guideline Required Reserves of 2 month(s) The guidelines require 2 months reserves to be verified. Based on the cash-out amount, the borrower only verified 1.32 months of reserves. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing loan to close with 1 month in reserves. Also, Please note that the XXXX Guide allows XXXX borrower and the XXXX Overlay was removed, therefore the XXXX exception is not required. - Seller-11/13/2025 | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-11/18/2025<br>| Long term residence - Long Term Residence = 4+ years<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has an 82 month credit history. | 4+ Years in Primary Residence<br> 24+ month credit history exceeds minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6164666 |
| XXXX | XXXX | 304896975 D B A | Closed | FCRE6019 | 2025-11-07 10:18 | 2025-11-18 00:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for XXXX, also ID and XXXX was provided. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. The borrower's Photo ID was also delivered with the loan file. Please refer to paged 294 and attached herein. - Seller-11/13/2025 <br> Counter-Received XXXX - missing photo ID-per guidelines The borrower(s) must possess a valid XXXX card or XXXX letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.) - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 300 and attached herein. - Seller-11/12/2025 <br> Counter-Received exception for XXXX-missing XXXX documentation. Finding remains. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-11/07/2025 <br> Open-Borrower Citizenship Documentation Is Missing Borrower is a non-permanent resident and the loan file is missing the borrower's XXXX. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. The borrower's Photo ID was also delivered with the loan file. Please refer to paged 294 and attached herein. - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 300 and attached herein. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached exception approval. - Seller-11/07/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- to allow for XXXX, also ID and XXXX was provided. - Due Diligence Vendor-11/18/2025 | Long term residence - Long Term Residence = 4+ years<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has an 82 month credit history. | Reduction in P&I Payment<br> Mortgage history 0x30<br> 4 years at primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6170383 |
| XXXX | XXXX | 304896975 D B A | Closed | FCRE1440 | 2025-11-06 19:28 | 2025-11-13 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history for subject. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Payment history from XXXX Servicing was included in the uploaded documents. Please refer to page 3 of previously uploaded "mortgage history on subject property" document. - Seller-11/12/2025 <br> Counter-Received payment history from XXXX Investments-missing VOM from XXXX servicing. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history on subject property. - Due Diligence Vendor-11/07/2025 | Ready for Review-Payment history from XXXX Servicing was included in the uploaded documents. Please refer to page 3 of previously uploaded "mortgage history on subject property" document. - Seller-11/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/07/2025 | Resolved-Received 12 month payment history for subject. - Due Diligence Vendor-11/13/2025<br>| Long term residence - Long Term Residence = 4+ years<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has an 82 month credit history. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6164574 |
| XXXX | XXXX | 304875499 B A | Closed | FCRE6019 | 2025-11-10 09:42 | 2025-11-12 16:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Borrower Citizenship Documentation Is Missing XXXX required forXXXX borrowers , Exception approved, non Material, XXXX. Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-11/12/2025 <br> Open-Borrower Citizenship Documentation Is Missing XXXX required for XXXX borrowers , Exception approved, non Material, XXXX. <br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025 |  | Waived-Borrower Citizenship Documentation Is Missing VISA//ESTA required for foreign national borrowers , Exception approved, non Material, FN. Originator exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - 12.90 mths reserves; 6 mths required.<br>Long term residence - Long Term Primary Residence | Reserves 3+ months above minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 6191891 |
| XXXX | XXXX | 304892572 C B A | Closed | finding-3635 | 2025-11-05 14:37 | 2025-11-17 09:12 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Counter-Lender credit for increase in closing cost above legal limit is for $625.90. 10% Tolerance violation is $650.90. Difference of $25.00. Finding remains. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. FINAL, SIGNED CD AND PCCD UPLOADED SHOWING REFUND OF $625.90 - Seller-11/10/2025 <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% ($1,125.00) exceed the comparable charges ($431.00) 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 $650.90 without a valid COC in file. Lender credit in the amount of $625.90 was issued on Final CD. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statue of Limitations 3 years. Expiration date XXXX - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. FINAL, SIGNED CD AND PCCD UPLOADED SHOWING REFUND OF $625.90 - Seller-11/10/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/17/2025 | LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.02%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 739 |  | 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 | 6142846 |
| XXXX | XXXX | 304892572 C B A | Closed | FCRE1199 | 2025-11-07 09:17 | 2025-11-07 11:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/07/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX - Exception Approved in file to exceed Guideline Maximum Loan Amount of XXXX: Non-Material, Overlay, Low LTV. - Due Diligence Vendor-11/07/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.02%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 739 | -24+ month on time mortgage history<br> - LTV 5% below max<br> - DTI 5% below max |  | 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 | 6169426 |
| XXXX | XXXX | 304896948 C A | Closed | FCRE8201 | 2025-11-10 14:50 | 2025-11-14 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, the loan has sufficient documentation to support this was a city lien attached to the subject. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Disagree, Lender notes - Borrower's credit report verified the collection is not a personal debt, The city of XXXX provided the payoff reflects total amount of XXXX for the business purpose property located at XXXX - Seller-11/12/2025 <br> Open-Missing information for the collection paid off on CD pg 47 for XXXX. Must be business related, if not then TRID applies. - Due Diligence Vendor-11/10/2025 | Ready for Review-Disagree, Lender notes - Borrower's credit report verified the collection is not a personal debt, The city of XXXX provided the payoff reflects total amount of $745.67 for the business purpose property located at XXXX - Seller-11/12/2025 | Resolved-Upon further review, the loan has sufficient documentation to support this was a city lien attached to the subject. - Due Diligence Vendor-11/14/2025<br>| Long term residence - Long Term Residence (+15 yrs) <br>Months Reserves exceed minimum required - 70.43 mths reserves; 0 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6198933 |
| XXXX | XXXX | 304896950 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304896978 D A C | Closed | FVAL1563 | 2025-11-07 11:31 | 2025-11-12 08:59 | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/12/2025 <br> Ready for Review-We respectfully disagree. The loan file included two appraisals and the LTV was based on the lower of the two appraised value. The appraiser did include comments regarding the comps 1, 2, and 3. Please refer to 840 and 841 of the delivered loan file. - Seller-11/10/2025 <br> Open-Appraisal dated XXXX: Comps 1, 2 and 3 all have excessive gross adjustments. Missing appraiser commentary on these adjustments being higher than industry standards. - Due Diligence Vendor-11/07/2025 | Ready for Review-We respectfully disagree. The loan file included two appraisals and the LTV was based on the lower of the two appraised value. The appraiser did include comments regarding the comps 1, 2, and 3. Please refer to 840 and 841 of the delivered loan file. - Seller-11/10/2025<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 6.16% is below the maximum allowed per guidelines of 50.49%<br>Months Reserves exceed minimum required - Verified assets of 25.43 months exceeds the minimum required of 0 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6172723 |
| XXXX | XXXX | 304896978 D A C | Closed | FCRE1158 | 2025-11-07 10:51 | 2025-11-12 07:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached HOI, Wind and Flood for total of $4833.63/month. - Seller-11/10/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Audit unable to determine CD monthly escrow amount of $4,833.63 based on policies provided, audit figure coming out lower. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see attached HOI, Wind and Flood for total of $4833.63/month. - Seller-11/10/2025<br>| Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 6.16% is below the maximum allowed per guidelines of 50.49%<br>Months Reserves exceed minimum required - Verified assets of 25.43 months exceeds the minimum required of 0 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6171090 |
| XXXX | XXXX | 304892561 C A | Closed | FCRE2244 | 2025-11-13 07:56 | 2025-12-19 17:29 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review 1007 was commented on by the appraiser, Long terms rents were notated and used. Condition resolved - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Please clear as soon as possible, Lender notes this loan is a DSCR refinance transaction with a 1007 supporting the rents being used to qualify in accordance with DSCR section 3.3 and DSCR guidelines do not require the borrower to provide an explanation for this ratio calc which has the required docs already provided. - Seller-12/18/2025 <br> Counter-Comment from Appraiser stating long term was used for the calculation, however we are still missing confirmation if the borrower is using the subject as a STR or Long Term. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. please waive, see attached Appraiser has provided the required comments regarding the FMR used to qualify. - Seller-11/22/2025 <br> Counter-No document received. Property identified as an XXXX with income provided that is substantially less than income noted on 1007. Appraiser to confirm whether the subject is currently being rented short or long term. If short term then then the XXXX data must be used to calculate DSCR and DSCR will be below .80. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Disagree, Short term rental income calc does not apply for this refinance. Lender notes the appraiser already addressed Short Term Rental and Long term rentals, with Long term being more accurate and used for this transaction. Please see 1007 comments "This form has been completed using long term rentals as using short term rentals would be misleading. Also, The XXXX income documentation is not relevant since qualifying ratio is based off 1007 market rents. Please clear - Seller-11/13/2025 <br> Open-Property Issues are identified for the property An annual XXXX was provided in file with substantially less income that what shows as long term on the 1007. Appraiser to confirm whether the subject is currently being rented short or long term. If short term then then the XXXX data must be used to calculate DSCR and DSCR will be below .80. - Due Diligence Vendor-11/13/2025 | Ready for Review-Please clear as soon as possible, Lender notes this loan is a DSCR refinance transaction with a 1007 supporting the rents being used to qualify in accordance with DSCR section 3.3 and DSCR guidelines do not require the borrower to provide an explanation for this ratio calc which has the required docs already provided. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. please waive, see attached Appraiser has provided the required comments regarding the FMR used to qualify. - Seller-11/22/2025 <br> Ready for Review-Disagree, Short term rental income calc does not apply for this refinance. Lender notes the appraiser already addressed Short Term Rental and Long term rentals, with Long term being more accurate and used for this transaction. Please see 1007 comments "This form has been completed using long term rentals as using short term rentals would be misleading. Also, The XXXX income documentation is not relevant since qualifying ratio is based off 1007 market rents. Please clear - Seller-11/13/2025 | Resolved-After further review 1007 was commented on by the appraiser, Long terms rents were notated and used. Condition resolved - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 12.01 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 779 Qualifying FICO score 779; guidelines require 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6235320 |
| XXXX | XXXX | 304896902 C A | Closed | FCRE0151 | 2025-11-14 15:32 | 2025-11-18 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Upon further review, the loan file contained all required property tax documentation. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-We respectfully disagree. Please refer to section F, line 06 on final CD for evidence of the payment of delinquent taxes. - Seller-11/17/2025 <br>Open-The subject property is not current on taxes. Unpaid taxes reflecting on title but are not paid on the CD. - Due Diligence Vendor-11/14/2025 | Ready for Review-We respectfully disagree. Please refer to section F, line 06 on final CD for evidence of the payment of delinquent taxes. - Seller-11/17/2025<br>| Resolved-Upon further review, the loan file contained all required property tax documentation. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.53 Required is 50 Borrower has 38.53<br>Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 8.16 documented |  |  | 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 | 6259512 |
| XXXX | XXXX | 304896979 C B A | Closed | FCRE1440 | 2025-11-17 09:10 | 2025-12-01 13:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material du to Current history is in the other homeowner's name who are not being used to qualify for this loan. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception - Seller-11/26/2025 <br> Counter-Received printout from XXXX-unclear as irregular payments made and extensive late charges-provide complete VOM or credit supplement. Received XXXX transaction history reflecting 1x60 in Aug and 2 x30 in Sept and Nov-VOM to confirm required. Program max is 1x30x12 - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM for XXXX and XXXX - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached Exception - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Waived-Originator exception granted, waiver applied with comp factors. Deemed non material du to Current history is in the other homeowner's name who are not being used to qualify for this loan. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 34.11 Required is 55 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 | \* Reserves 3+ months above minimum required<br> \* Qualifying FICO score is at least 20 points above minimum for program<br> \* Qualifying DTI 5% below maximum allowed<br> \* Length of employment 25 years | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6270267 |
| XXXX | XXXX | 304896979 C B A | Closed | FCRE1510 | 2025-11-13 12:54 | 2025-11-18 13:02 | 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-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to Deed of Trust. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Required is 55 Borrower has 34.11 Required is 55 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | 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 | 6241479 |
| XXXX | XXXX | 305052026 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039364 C B A | Closed | FCRE1194 | 2025-11-16 13:22 | 2025-11-17 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/17/2025 <br> Open-Audited LTV of 67.31% exceeds Guideline LTV of 65% Current XXXX Matrix allows MAX 65% LTV Cash-Out / 720+ FICO. Please allow 70% LTV. Exception in file - Due Diligence Vendor-11/17/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 24 mos reserves; 0 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 | Qualifying FICO score is at least 20 points above min for program<br> 24+ Months on time mortgage history exceeds guideline requirements<br> Years on Job 20 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6265570 |
| XXXX | XXXX | 305039366 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 | 305039345 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE1158 | 2025-12-08 13:42 | 2025-12-10 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI with the correct premium - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Final HOI docs to match premium amount used for closing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025<br>| Resolved-Received HOI with the correct premium - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6532887 |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE3653 | 2025-12-08 16:30 | 2025-12-10 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the loan file contains sufficient documentation regarding the property management. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Please note page 72 of the appraisal report delivered with the loan file included XXXX, XXXX, and XXXX expenses for the subject property which had zero management fees. That is sufficient confirmation that the property is self managed. Further explanation from the borrower is unwarranted. - Seller-12/08/2025 <br> Open-Missing letter of explanation from borrower confirming they self manage, prior years show 0 for management fees - Due Diligence Vendor-12/08/2025 | Ready for Review-Please note page 72 of the appraisal report delivered with the loan file included XXXX, XXXX, and XXXX expenses for the subject property which had zero management fees. That is sufficient confirmation that the property is self managed. Further explanation from the borrower is unwarranted. - Seller-12/08/2025 | Resolved-Upon further review, the loan file contains sufficient documentation regarding the property management. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6536782 |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE1498 | 2025-12-08 16:04 | 2025-12-08 16:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Client exception granted to allow First time investor not allowed on 5-10 units, on title (LLC) since XXXX. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/08/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Approved lender exception on file. "First time investor not allowed on 5-10 units, on title (LLC) since XXXX" - Due Diligence Vendor-12/08/2025 |  | Waived-Client exception granted to allow First time investor not allowed on 5-10 units, on title (LLC) since XXXX. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. | Fico is 20+ points above the required<br> 24+ month of clean credit history<br> 24+ months housing history 0x30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 6536250 |
| XXXX | XXXX | 304910091 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305023650 C A | Closed | FCRE1510 | 2025-12-18 08:51 | 2026-01-09 09:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded security instrument with clear copy of XXXX Notary seal. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please clear - Seller-01/07/2026 <br> Counter-Received security instrument and notary seal is not legible. Please provide legible copy. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. please see attached complete Mortgage Document (Deed of Trust) copy - Seller-12/21/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Notary Page and Signature/Seal. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please clear - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. please see attached complete Mortgage Document (Deed of Trust) copy - Seller-12/21/2025<br>| Resolved-Received recorded security instrument with clear copy of XXXX Notary seal. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 4.27 months reserves exceed 0 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6681107 |
| 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 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's milestone inspection and XXXX statutes, those requirements apply to HOA compliance, not mortgage eligibility. A XXXX report is not required for lending purposes however, the presence of a XXXX 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 XXXX statutes, those requirements apply to HOA compliance, not mortgage eligibility. A XXXX report is not required for lending purposes however, the presence of a XXXX 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 | 305029519 C A | Closed | FCRE1254 | 2025-12-30 20:47 | 2026-01-21 17:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title reflecting vesting in borrowers name. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/17/2026 <br>Ready for Review-Not needed, this grant deed determines the vesting title will report... - Seller-01/17/2026 <br>Counter-Received Deed confirming individual vesting. Provide title supplement reflecting borrowers name for vesting. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. please see attached recorded grant deed reflects borrower vested as an individual - Seller-12/31/2025 <br>Open-Property Title Issue Lender to provide a corrected title report or updated DOT to reflect vesting to match the title report. Title Report and Title Suppl both reflect vesting to remain in the LLC; however, the Deed of Trust in file reflects borrower vested as an individual. Additional conditions may apply. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2026 <br>Ready for Review-Not needed, this grant deed determines the vesting title will report... - Seller-01/17/2026 <br>Ready for Review-Document Uploaded. please see attached recorded grant deed reflects borrower vested as an individual - Seller-12/31/2025<br>| Resolved-Received Title reflecting vesting in borrowers name. - Due Diligence Vendor-01/21/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 50.63<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x24 month mortgage history on the subject property. Guides allow up to 0x90x12. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6863102 |
| XXXX | XXXX | 305029341 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030841 C A | Closed | FCRE1204 | 2026-01-02 09:48 | 2026-01-08 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. See attached. - Seller-01/06/2026 <br> Counter-Received fraud report. Provide XXXX clearance for XXXX. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/05/2026 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflects an alert for the loan officer being on internal company watchlist, no documentation provided to clear the alert. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. See attached. - Seller-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/05/2026<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/08/2026<br>| Months Reserves exceed minimum required - NONE REQUIRED HAVE 32 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686 Required is 660 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6892670 |
| XXXX | XXXX | 305030841 C A | Closed | FCRE1205 | 2026-01-02 09:48 | 2026-01-08 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/05/2026 <br> Open-OFAC Check Not Completed and/or Cleared Loan officer was flagged on theXXXX exclusionary list, no documentation to support the third party originator has been cleared. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/05/2026<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-01/08/2026<br>| Months Reserves exceed minimum required - NONE REQUIRED HAVE 32 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686 Required is 660 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6892671 |
| XXXX | XXXX | 305030825 C A | Closed | FCRE0179 | 2026-01-02 11:07 | 2026-01-06 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation of Condo Warrantability. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached 1008 Snippet of UW Comments - UW attestation shows Non-warrantable condo. - Seller-01/02/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached 1008 Snippet of UW Comments - UW attestation shows Non-warrantable condo. - Seller-01/02/2026<br>| Resolved-Received UW attestation of Condo Warrantability. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6894584 |
| XXXX | XXXX | 305030825 C A | Closed | FCRE1143 | 2026-01-02 09:48 | 2026-01-06 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received Guide that allow Builder Control with an estimated transfer date noted. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Section 8.4 HOA Control states : 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. Condo Project Questionnaire dated XXXX shows estimated date of transfer will occur on XXXX. This meets the requirement of Section 8.4 HOA Control. No issues found. - Seller-01/02/2026 <br> Open-Builder is in control of HOA until XXXX per questionnaire - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Section 8.4 HOA Control states : 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. Condo Project Questionnaire dated XXXX shows estimated date of transfer will occur on XXXX. This meets the requirement of Section 8.4 HOA Control. No issues found. - Seller-01/02/2026 | Resolved-Received Guide that allow Builder Control with an estimated transfer date noted. - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6892674 |
| XXXX | XXXX | 305030825 C A | Closed | FCRE0099 | 2026-01-02 12:25 | 2026-01-06 15:08 | 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-01/06/2026 <br> Ready for Review-The discrepancy between the Condo Questionnaire and the Appraisal is attributed to timing differences and the use of preliminary data in the Appraisal. Pls note that the Appraisal Effective Report Date is XXXX while the Condo Project Questionnaire is XXXX. Updated documentation confirms the project's current status and intended use, and no material change has occurred that would alter eligibility or project classification.<br> The figures reported in the Condo Questionnaire reflect the most current information available from the developer/HOA at the time of completion. The numbers cited in the Appraisal appear to rely on earlier projections and/or market estimates, which may not align with updated sales and leasing data. As such, the Condo Questionnaire should be considered the authoritative source for current unit status. Also, UW notes indicated property will be a XXXX once completed. Please clear this finding, - Seller-01/02/2026 <br> Open-Units for sale, total units sold, number of units rented. Provide clarification if property will be a XXXX once completed - Due Diligence Vendor-01/02/2026 | Ready for Review-The discrepancy between the Condo Questionnaire and the Appraisal is attributed to timing differences and the use of preliminary data in the Appraisal. Pls note that the Appraisal Effective Report Date is XXXX while the Condo Project Questionnaire is XXXX. Updated documentation confirms the project's current status and intended use, and no material change has occurred that would alter eligibility or project classification.<br> The figures reported in the Condo Questionnaire reflect the most current information available from the developer/HOA at the time of completion. The numbers cited in the Appraisal appear to rely on earlier projections and/or market estimates, which may not align with updated sales and leasing data. As such, the Condo Questionnaire should be considered the authoritative source for current unit status. Also, UW notes indicated property will be a XXXX once completed. Please clear this finding, - Seller-01/02/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6897376 |
| XXXX | XXXX | 305030825 C A | Closed | FCRE0108 | 2026-01-02 12:34 | 2026-01-06 14:56 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master Policy reflecting sufficient Fidelity Coverage - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached Fidelity Coverage. - Seller-01/02/2026 <br>Open-Fidelity Coverage not met. Fidelity Coverage is not listed on master policy provided - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached Fidelity Coverage. - Seller-01/02/2026<br>| Resolved-Received Master Policy reflecting sufficient Fidelity Coverage - Due Diligence Vendor-01/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6897735 |
| XXXX | XXXX | 305030898 C A | Closed | FCRE8701 | 2026-01-06 08:43 | 2026-01-13 15:14 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Annual Report which discloses the EIN - Due Diligence Vendor-01/13/2026 <br> Ready for Review-I disagree. The requested EIN has been adequately documented in the loan file. The XXXX Articles of Incorporation and the XXXX Profit Corporation Annual Report are official, government-issued records and clearly disclose the company's XXXX (EIN). These documents are acceptable for EIN verification purposes and meet standard XXXX due diligence and documentation requirements.<br>An IRS-issued EIN confirmation letter is not a regulatory or XXXX requirement when the EIN is clearly evidenced on valid state-issued corporate filings. As the EIN is verifiable within the documents already provided, the request for additional IRS documentation is redundant.<br>Based on the sufficiency of the documentation in file, the counter finding has been fully addressed. Please clear this finding or escalate to management. - Seller-01/10/2026 <br> Counter-Please provide the EIN from the XXXX. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Articles of Incorporation and XXXX (EIN) noted on the XXXX Profit Corporation Annual Report. Please clear this finding. - Seller-01/06/2026 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN number - Due Diligence Vendor-01/06/2026 | Ready for Review-I disagree. The requested EIN has been adequately documented in the loan file. The XXXX Articles of Incorporation and the XXXX Profit Corporation Annual Report are official, government-issued records and clearly disclose the company's FEI (EIN). These documents are acceptable for EIN verification purposes and meet standard XXXX due diligence and documentation requirements.<br>An IRS-issued EIN confirmation letter is not a regulatory or XXXX requirement when the EIN is clearly evidenced on valid state-issued corporate filings. As the EIN is verifiable within the documents already provided, the request for additional IRS documentation is redundant.<br>Based on the sufficiency of the documentation in file, the counter finding has been fully addressed. Please clear this finding or escalate to management. - Seller-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Articles of Incorporation and XXXX (EIN) noted on the XXXX Profit Corporation Annual Report. Please clear this finding. - Seller-01/06/2026 | Resolved-Received Annual Report which discloses the EIN - Due Diligence Vendor-01/13/2026<br>| Months Reserves exceed minimum required - O MONTHS REQUIRED 75 MONTHS HAVE<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Required is 700 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6931597 |
| 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 | 305029520 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305030865 D A | Closed | FCRE1345 | 2026-01-09 13:37 | 2026-01-14 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Rent Payments - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached 2 months receipt of rent payments for units 2, 3 and 5. Please clear this finding. - Seller-01/12/2026 <br>Open-Since the leases have been converted to month-to-month for Units 2, 3 and 5, the most recent two (2) months proof of rent receipt to evidence continuance of lease on refinance transactions is required. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached 2 months receipt of rent payments for units 2, 3 and 5. Please clear this finding. - Seller-01/12/2026<br>| Resolved-Received Rent Payments - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Max LTV is 75 Borrower has 49.74 Required is 75 Borrower has 49.74<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 790 Required is 680 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7012205 |
| XXXX | XXXX | 305035342 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039248 C A | Closed | FCRE0197 | 2026-01-09 18:15 | 2026-01-15 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Upon further review, the loan file contained a Final combined Settlement Statement. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-We respectfully disagree. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br> Counter-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Please see attached. - Seller-01/12/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/09/2026 | Ready for Review-We respectfully disagree. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Please see attached. - Seller-01/12/2026<br>| Resolved-Upon further review, the loan file contained a Final combined Settlement Statement. - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - 6 months reserves required - borrower has 67.55 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 Required is 680 Borrower has 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7018644 |
| XXXX | XXXX | 305039248 C A | Closed | FCRE0196 | 2026-01-09 18:15 | 2026-01-15 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Upon further review, Seller is doing a 1031 exchange, no other documentation required as it does not effect the Title for the subject. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-We respectfully disagree. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br> Counter-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-We respectfully disagree. Private party payoffs are not always be on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. - Seller-01/12/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/12/2026 | Ready for Review-We respectfully disagree. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br>Ready for Review-We respectfully disagree. Private party payoffs are not always be on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. - Seller-01/12/2026<br>| Resolved-Upon further review, Seller is doing a 1031 exchange, no other documentation required as it does not effect the Title for the subject. - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - 6 months reserves required - borrower has 67.55 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 Required is 680 Borrower has 772 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7018645 |
| 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 | 305039275 D A | Closed | FCRE7497 | 2026-01-14 06:07 | 2026-01-21 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of taxes. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/16/2026 <br> Counter-Received Tax estimate and Tax Cert for what appears to be another borrower and another property XXXX instead of XXXX. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br> Open-Property V (XXXX): Provide verification of Property Taxes. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026<br>| Resolved-Received verification of taxes. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower has 97.51 months of verified reserves.<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 4.16. Required is 50 Borrower has 4.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7081697 |
| XXXX | XXXX | 305039275 D A | Closed | FCRE1157 | 2026-01-13 17:27 | 2026-01-16 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy and RCE. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br>Open-Missing Hazard Insurance Policy Provide missing Homeowner's Insurance Policy for subject property. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026<br>| Resolved-Received Hazard Insurance Policy and RCE. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower has 97.51 months of verified reserves.<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 4.16. Required is 50 Borrower has 4.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7075041 |
| XXXX | XXXX | 305035416 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 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 | 305039208 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305035366 C A | Closed | FCRE1198 | 2026-01-14 10:23 | 2026-01-23 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received source of EMD. Audited Reserves of 15.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached EMD source. Please clear this finding. - Seller-01/22/2026 <br> Counter-Source of the EMD is required to be sure it meets the assets allowed for down payment, closing costs and reserves requirements. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-DSCR Section 7.1 Verification of Assets guide states Large Deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/15/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide source of funds used for EMD listed on CD of XXXX - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached EMD source. Please clear this finding. - Seller-01/22/2026 <br>Ready for Review-DSCR Section 7.1 Verification of Assets guide states Large Deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/15/2026<br>| Resolved-Received source of EMD. Audited Reserves of 15.99 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/23/2026<br>| Long term residence - Borrower has lived at primary for 5 years.<br>LTV is less than guideline maximum - Required is 70 Borrower has 34.84 Required is 70 Borrower has 34.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7085785 |
| XXXX | XXXX | 305035366 C A | Closed | FCRE9501 | 2026-01-14 10:02 | 2026-01-23 15:50 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Source of EMD - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached EMD source. Please clear this finding. - Seller-01/22/2026 <br> Counter-Source of the EMD is required to be sure it meets the assets allowed for down payment, closing costs and reserves requirements. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-DSCR Section 7.1 Verification of Assets guide states Large Deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/15/2026 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Provide source of funds used for EMD listed on CD of XXXX - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached EMD source. Please clear this finding. - Seller-01/22/2026 <br>Ready for Review-DSCR Section 7.1 Verification of Assets guide states Large Deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/15/2026<br>| Resolved-Received Source of EMD - Due Diligence Vendor-01/23/2026<br>| Long term residence - Borrower has lived at primary for 5 years.<br>LTV is less than guideline maximum - Required is 70 Borrower has 34.84 Required is 70 Borrower has 34.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7085162 |
| XXXX | XXXX | 305035366 C A | Closed | FCRE1510 | 2026-01-14 08:44 | 2026-01-16 16:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached DOT with legal description. - 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 DOT with legal description. - Seller-01/15/2026<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-01/16/2026<br>| Long term residence - Borrower has lived at primary for 5 years.<br>LTV is less than guideline maximum - Required is 70 Borrower has 34.84 Required is 70 Borrower has 34.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7083538 |
| XXXX | XXXX | 305035366 C A | Closed | FCRE1143 | 2026-01-14 09:07 | 2026-01-16 16:58 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-HOA questionnaire states no date but at 90% sold. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached Condo Project Questionnaire stating the Builder will turned over to the unit owners at 90% sold which meets the DSCR guide wherein it states 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. - Seller-01/15/2026 <br>Open-Builder is in control of HOA - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached Condo Project Questionnaire stating the Builder will turned over to the unit owners at 90% sold which meets the DSCR guide wherein it states 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. - Seller-01/15/2026<br>| Resolved-HOA questionnaire states no date but at 90% sold. - Due Diligence Vendor-01/16/2026<br>| Long term residence - Borrower has lived at primary for 5 years.<br>LTV is less than guideline maximum - Required is 70 Borrower has 34.84 Required is 70 Borrower has 34.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7083930 |
| XXXX | XXXX | 305035306 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039297 C A | Closed | FCRE0179 | 2026-01-14 14:05 | 2026-01-16 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received Type Q Warranty Attestation. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached 1008 - Seller-01/15/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW Attestation/Docs stating warrantability of condo. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached 1008 - Seller-01/15/2026<br>| Resolved-Received Type Q Warranty Attestation. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 42.72m<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7092243 |
| XXXX | XXXX | 305039261 C B A | Closed | FCRE1198 | 2026-01-14 19:17 | 2026-02-03 11:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.57 month(s) are less than Guideline Required Reserves of 6 month(s) Originator waiver applied to non material finding with comp factors. deemed non material due to reserves are short by less than 1 month<br> - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Please see attached the most current Final funds set, according to the PCCD - Seller-01/27/2026 <br> Counter-Asset worksheet provided. Documented cash to close is XXXX, lender used XXXX cash to close. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Please see attached funds to close calculation worksheet - Seller-01/15/2026 <br> Open-Audited Reserves of 4.54 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached the most current Final funds set, according to the PCCD - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached funds to close calculation worksheet - Seller-01/15/2026<br>| Waived-Audited Reserves of 5.57 month(s) are less than Guideline Required Reserves of 6 month(s) Originator waiver applied to non material finding with comp factors. deemed non material due to reserves are short by less than 1 month<br> - Due Diligence Vendor-01/30/2026<br>| Long term residence - borrower has resided in primarty for 3 years, 3 months<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 35.72. Required is 50 Borrower has 35.72 |  | 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 | 7100351 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE1194 | 2026-01-15 13:23 | 2026-02-09 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Per the DSCR guidelines a FTHB is a borrower who has never previously owned a home, a time frame is not stated. Propeert report provided a property detail report supporting the borrower has ownd a property in the past. due to the guidelinesd not stating a time frame for owning real estate the borrower is not considered a FTHB. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Please note that our guide states in section XXXX that a First Time Homebuyer is defined as someone who has never previously owned a home. The Property Profile was provided to evidence that the borrower has owned a home previously. XXXX would not apply for this loan as it meets the XXXX guide. - Seller-02/09/2026 <br> Counter-Guidelines are silent regarding the definition of FTHB. Per XXXX FTHB means someone who hasn't owned a home during the past three years - Due Diligence Vendor-02/02/2026 <br> Ready for Review-We respectfully request supervisory review of the outstanding First Time Homebuyer (FTHB) finding due to continued misapplication of guideline definitions.<br> This loan is a XXXX DSCR loan and is governed by the applicable XXXX DSCR underwriting guidelines. Per Section XXXX – First Time Home Buyer (FTHB), a First Time Home Buyer is defined as an applicant who has never previously owned a home (real property). The guidelines do not define a First Time Homebuyer based on ownership within the last three years.<br> The borrower, XXXX, has documented prior homeownership history. The property profile for XXXX reflects a recorded sale date of XXXX with the borrower listed as a co-owner. This confirms the borrower has previously owned real property and does not meet the definition of a First Time Homebuyer under the XXXX DSCR guidelines.<br> Despite this documentation, the finding continues to rely on an agency-based definition of "no property owned in the last three years," which is not applicable to XXXX DSCR loans. As a result, the application of the 70% maximum LTV restriction is incorrect. The subject LTV of 75% is acceptable per guideline.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct XXXX DSCR guideline definition.<br> - Seller-01/29/2026 <br> Counter-Received property profile. Borrower considered first time homebuyer because no property owned in the last 3 years. Finding remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. The finding is based on the assumption that the borrower is a First-Time Homebuyer (FTHB). This assumption is incorrect.<br> Borrower XXXX is not a First-Time Homebuyer, as reflected in the property profile for XXXX, which shows a recorded sale date of XXXX with the borrower listed as one of the co-owners.<br> Since the borrower does not meet the definition of a First-Time Homebuyer, the 70% maximum LTV restriction does not apply. Therefore, the subject LTV of 75% is acceptable per guideline. Please clear this finding.<br> - Seller-01/26/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Borrower is a first time home buyer and a first time investor, per the guidelines the maximum LTV allowed is 70%, subject LTV is 75%. - Due Diligence Vendor-01/15/2026 | Ready for Review-Please note that our guide states in section XXXX that a First Time Homebuyer is defined as someone who has never previously owned a home. The Property Profile was provided to evidence that the borrower has owned a home previously. XXXX would not apply for this loan as it meets the XXXX guide. - Seller-02/09/2026 <br> Ready for Review-We respectfully request supervisory review of the outstanding First Time Homebuyer (FTHB) finding due to continued misapplication of guideline definitions.<br> This loan is a XXXX DSCR loan and is governed by the applicable XXXX DSCR underwriting guidelines. Per Section XXXX – First Time Home Buyer (FTHB), a First Time Home Buyer is defined as an applicant who has never previously owned a home (real property). The guidelines do not define a First Time Homebuyer based on ownership within the last three years.<br> The borrower, XXXX, has documented prior homeownership history. The property profile for XXXX reflects a recorded sale date of XXXX with the borrower listed as a co-owner. This confirms the borrower has previously owned real property and does not meet the definition of a First Time Homebuyer under the XXXX DSCR guidelines.<br> Despite this documentation, the finding continues to rely on an agency-based definition of "no property owned in the last three years," which is not applicable to XXXX DSCR loans. As a result, the application of the 70% maximum LTV restriction is incorrect. The subject LTV of 75% is acceptable per guideline.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct XXXX DSCR guideline definition.<br> - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. The finding is based on the assumption that the borrower is a First-Time Homebuyer (FTHB). This assumption is incorrect.<br> Borrower XXXX is not a First-Time Homebuyer, as reflected in the property profile for XXXX, which shows a recorded sale date of XXXX with the borrower listed as one of the co-owners.<br> Since the borrower does not meet the definition of a First-Time Homebuyer, the 70% maximum LTV restriction does not apply. Therefore, the subject LTV of 75% is acceptable per guideline. Please clear this finding.<br> - Seller-01/26/2026 | Resolved-Per the DSCR guidelines a FTHB is a borrower who has never previously owned a home, a time frame is not stated. Propeert report provided a property detail report supporting the borrower has ownd a property in the past. due to the guidelinesd not stating a time frame for owning real estate the borrower is not considered a FTHB. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7116283 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE1232 | 2026-01-13 12:27 | 2026-02-09 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Per the DSCR guidelines a FTHB is a borrower who has never previously owned a home, a time frame is not stated. Propeert report provided a property detail report supporting the borrower has ownd a property in the past. due to the guidelinesd not stating a time frame for owning real estate the borrower is not considered a FTHB resulting in the minimum DSCR of .75. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Please note that our guide states in section XXXX that a First Time Homebuyer is defined as someone who has never previously owned a home. The Property Profile was provided to evidence that the borrower has owned a home previously. XXXX would not apply for this loan as it meets the XXXX guide. <br> - Seller-02/09/2026 <br> Counter-Guidelines are silent regarding the definition of FTHB. Per XXXX FTHB means someone who hasn't owned a home during the past three years. In addition XXXX States - Experienced investors who provide verification of living rent free are acceptable provided they own any REOs with acceptable most recent 12 month mortgage financing history within last 3 year. Borrower is living Rent Free. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-We respectfully request supervisory review of the outstanding First Time Homebuyer (FTHB) finding due to continued misapplication of guideline definitions.<br> This loan is a XXXX DSCR loan and is governed by the applicable XXXX DSCR underwriting guidelines. Per Section XXXX – First Time Home Buyer (FTHB), a First Time Home Buyer is defined as an applicant who has never previously owned a home (real property). The guidelines do not define a First Time Homebuyer based on ownership within the last three years.<br> The borrower, XXXX, has documented prior homeownership history. The property profile for XXXX reflects a recorded sale date of XXXX with the borrower listed as a co-owner. This confirms the borrower has previously owned real property and does not meet the definition of a First Time Homebuyer under the XXXX DSCR guidelines.<br> Despite this documentation, the finding continues to rely on an agency-based definition of "no property owned in the last three years," which is not applicable to XXXX DSCR loans. As a result, the application of the 70% maximum LTV restriction is incorrect. The subject LTV of 75% is acceptable per guideline.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct XXXX DSCR guideline definition.<br> - Seller-01/29/2026 <br> Counter- Received property profile. Borrower considered first time homebuyer because no property owned in the last 3 years. Finding remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. The finding is based on the assumption that the borrower is a First-Time Homebuyer (FTHB). This assumption is incorrect.<br> Borrower XXXX is not a First-Time Homebuyer, as reflected in the property profile for XXXX, which shows a recorded sale date of XXXX with the borrower listed as one of the co-owners.<br> Since the borrower does not meet the definition of a First-Time Homebuyer, the 70% maximum LTV restriction does not apply. Therefore, the subject LTV of 75% is acceptable per guideline.<br> - Seller-01/26/2026 <br> Open-The Calculated DSCR of '0.783' is less than the minimum DSCR per lender guidelines of '1'. Borrower is s first timer homebuyer/investor. Per the DSCR guidelines minimum DSCR is 1. - Due Diligence Vendor-01/13/2026 | Ready for Review-Please note that our guide states in section XXXX that a First Time Homebuyer is defined as someone who has never previously owned a home. The Property Profile was provided to evidence that the borrower has owned a home previously. XXXX would not apply for this loan as it meets the XXXX guide. <br> - Seller-02/09/2026 <br> Ready for Review-We respectfully request supervisory review of the outstanding First Time Homebuyer (FTHB) finding due to continued misapplication of guideline definitions.<br> This loan is a XXXX DSCR loan and is governed by the applicable XXXX DSCR underwriting guidelines. Per Section XXXX – First Time Home Buyer (FTHB), a First Time Home Buyer is defined as an applicant who has never previously owned a home (real property). The guidelines do not define a First Time Homebuyer based on ownership within the last three years.<br> The borrower, XXXX, has documented prior homeownership history. The property profile for XXXX reflects a recorded sale date of XXXX with the borrower listed as a co-owner. This confirms the borrower has previously owned real property and does not meet the definition of a First Time Homebuyer under the XXXX DSCR guidelines.<br> Despite this documentation, the finding continues to rely on an agency-based definition of "no property owned in the last three years," which is not applicable to XXXX DSCR loans. As a result, the application of the 70% maximum LTV restriction is incorrect. The subject LTV of 75% is acceptable per guideline.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct XXXX DSCR guideline definition.<br> - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. The finding is based on the assumption that the borrower is a First-Time Homebuyer (FTHB). This assumption is incorrect.<br> Borrower XXXX is not a First-Time Homebuyer, as reflected in the property profile for XXXX, which shows a recorded sale date of XXXX with the borrower listed as one of the co-owners.<br> Since the borrower does not meet the definition of a First-Time Homebuyer, the 70% maximum LTV restriction does not apply. Therefore, the subject LTV of 75% is acceptable per guideline.<br> - Seller-01/26/2026 | Resolved-Per the DSCR guidelines a FTHB is a borrower who has never previously owned a home, a time frame is not stated. Propeert report provided a property detail report supporting the borrower has ownd a property in the past. due to the guidelinesd not stating a time frame for owning real estate the borrower is not considered a FTHB resulting in the minimum DSCR of .75. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7068206 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE1510 | 2026-01-13 11:34 | 2026-02-08 13:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provide Ex A, legal description - Due Diligence Vendor-02/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with legal description. - Seller-02/05/2026 <br>Counter-Schedule C provided. Please provide Schedule A being sent for recording with the Mortgage - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. See attached DOT with legal description. - Seller-01/16/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal description attached to the mortgage. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with legal description. - Seller-02/05/2026 <br>Ready for Review-Document Uploaded. See attached DOT with legal description. - Seller-01/16/2026<br>| Resolved-Client provide Ex A, legal description - Due Diligence Vendor-02/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7065489 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE6843 | 2026-01-13 13:01 | 2026-01-27 13:42 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received Escrow Receipt, Bank statement, and LOE. EMD excluded. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Bank statement belonging to the borrower. - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached EMD receipt of escrow. - Seller-01/23/2026 <br> Counter-Review did not receive documentation of EMD. Finding remains. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-The letter dated XXXX from XXXX Legal confirms receipt of the $67,000.00 EMD. XXXX Legal is the designated settlement/escrow agent for this transaction, and their confirmation letter serves as valid evidence of receipt of the EMD.<br>Additionally, the XXXX bank statement shows an incoming wire in the amount of $67,000.00 dated XXXX from The XXXX of XXXX & XXXX, which supports the transfer of funds to the escrow/settlement agent.<br>Based on the above documentation, the EMD of $67,000.00 has been sufficiently verified. No outstanding issues remain related to the EMD. No issues found. - Seller-01/22/2026 <br> Counter-Please provided documentation to support the receipt of the EMD. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Per XXXX Verification of Assets - Large deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/16/2026 <br> Open-Letter in the file from XXXX Legal states they have a deposit in the amount of $67,000.00 dated XXXX. The XXXX bank statement reflects the borrower received an incoming wire in the amount of $67,000.00 from The XXXX of XXXX & XXXX dated XXXX. No evidence the borrower has paid the EMD of $67,000.00 - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached XXXX Bank statement belonging to the borrower. - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached EMD receipt of escrow. - Seller-01/23/2026 <br> Ready for Review-The letter dated XXXX from XXXX Legal confirms receipt of the $67,000.00 EMD. XXXX Legal is the designated settlement/escrow agent for this transaction, and their confirmation letter serves as valid evidence of receipt of the EMD.<br>Additionally, the XXXX bank statement shows an incoming wire in the amount of $67,000.00 dated XXXX from The XXXX of XXXX & XXXX, which supports the transfer of funds to the escrow/settlement agent.<br>Based on the above documentation, the EMD of $67,000.00 has been sufficiently verified. No outstanding issues remain related to the EMD. No issues found. - Seller-01/22/2026 <br> Ready for Review-Per XXXX Verification of Assets - Large deposits do not need to be sourced on DSCR loans. Please clear this finding. - Seller-01/16/2026 | Resolved-Received Escrow Receipt, Bank statement, and LOE. EMD excluded. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7069121 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE6844 | 2026-01-13 12:59 | 2026-01-23 15:56 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received PCCD reflecting gift received for $70,361.42. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. See attached Post closing CD showing gift funds received is $70,361.42. Please clear this finding. - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD showing - Seller-01/22/2026 <br>Open-Per the gift letter in the file the borrower is receiving gift funds of $70,361.42, with wire supporting this amount. Final CD reflects a gift of $58,000.00, unable to determine the if difference between the gift with wire and the gift applied on the final CD were applied to the subject transaction. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. See attached Post closing CD showing gift funds received is $70,361.42. Please clear this finding. - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD showing - Seller-01/22/2026<br>| Resolved-Received PCCD reflecting gift received for $70,361.42. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7069094 |
| XXXX | XXXX | 305039359 C A | Closed | FCRE0197 | 2026-01-13 12:25 | 2026-01-21 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. See attached Final Seller CD. - Seller-01/16/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing the seller CD to confirm liens paid at closing are reflected on title. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. See attached Final Seller CD. - Seller-01/16/2026<br>| Resolved-Received Seller CD. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 6 months required, borrower has 17.26 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7068173 |
| XXXX | XXXX | 305035371 C A | Closed | FCRE1205 | 2026-01-14 23:44 | 2026-01-20 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached Updated participants - Seller-01/16/2026 <br>Open-OFAC Check Not Completed and/or Cleared Appraiser/appraiser company, title and agents to be added to OFAC/exclusionary lists - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached Updated participants - Seller-01/16/2026<br>| Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - 0 required, has 62.77 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 785 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7103435 |
| XXXX | XXXX | 305035329 C A | Closed | finding-3352 | 2026-01-14 10:13 | 2026-01-16 09:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Full appraisal in the file, taxes and insurance are escrowed for the subject transaction. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-THIS LOAN HAS AN APPRAISAL AND IMPOUNDS. PER XXXX, WE ARE NOT SUPPOSED TO BE STIPPED FOR HPML- PLEASE CLEAR - Seller-01/15/2026 <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-01/14/2026 | Ready for Review-THIS LOAN HAS AN APPRAISAL AND IMPOUNDS. PER XXXX, WE ARE NOT SUPPOSED TO BE STIPPED FOR HPML- PLEASE CLEAR - Seller-01/15/2026 | Resolved-Full appraisal in the file, taxes and insurance are escrowed for the subject transaction. - Due Diligence Vendor-01/16/2026<br>| Verified employment history exceeds guidelines - CTEC letter verifies borrower has been in business since 11.01.2022.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.67 Required is 50 Borrower has 42.67 |  |  | 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 | 7085432 |
| XXXX | XXXX | 305039316 C A | Closed | FCRE1148 | 2026-01-15 10:56 | 2026-01-21 14:32 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form with sufficient coverage. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/16/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Supplement increasing coverage not in loan file - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/16/2026<br>| Resolved-Received Short Form with sufficient coverage. - Due Diligence Vendor-01/21/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7111127 |
| XXXX | XXXX | 305039299 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035337 D A | Closed | FCRE1158 | 2026-01-15 17:24 | 2026-02-09 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached Commercial al Lines Policy Declaration Loc 8 Bldg 1 for XXXX shows annual premium of $5,784 plus $389 for a total of $6,173 annual premium. Monthly Hazard Insurance is $514.42. Please clear this finding. - Seller-02/05/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing HOI premium. Estimated payment until received. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached Commercial al Lines Policy Declaration Loc 8 Bldg 1 for XXXX shows annual premium of $5,784 plus $389 for a total of $6,173 annual premium. Monthly Hazard Insurance is $514.42. Please clear this finding. - Seller-02/05/2026 | Resolved-Received HOI policy. - Due Diligence Vendor-02/09/2026<br>| LTV is less than guideline maximum - Required is 80. Borrower has 65. Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 703. Required is 640 Borrower has 703 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7122528 |
| XXXX | XXXX | 305035337 D A | Closed | FCRE1232 | 2026-01-15 17:45 | 2026-02-03 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Used XXXX in file per GL. Operating expenses are not deducted when calculating DSCR for STR loans using XXXX. Using the report-supported data: • Average Daily Rental Rate (ADR): $732 • Occupancy Rate: 55% • Qualifying PITIA: $9,569 Calculation: • $732 × 55% = $402.60 • $402.60 × 365 = $146,949 projected annual revenue • $146,949 ÷ 12 = $12,245.75. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-We respectfully request supervisory review of the DSCR finding due to the continued use of an incorrect calculation methodology for a Short-Term Rental (STR) loan.<br> Your calculation of the DSCR by deducting operating expenses from projected STR revenue and dividing the resulting net income by PITIA, resulting in a DSCR of 0.947. This methodology is not supported by the Act Appraisal Short-Term Rental Feasibility Report and is not the lender's approved method for STR DSCR calculations.<br> Per the STR Feasibility Report and lender guidelines, DSCR for STR properties is calculated using gross rental income derived from the Average Daily Rate (ADR) and Occupancy Rate. Operating expenses are not deducted when calculating DSCR for STR loans.<br> Using the report-supported data:<br> • Average Daily Rental Rate (ADR): $732<br> • Occupancy Rate: 55%<br> • Qualifying PITIA: $9,569<br> Calculation:<br> • $732 × 55% = $402.60<br> • $402.60 × 365 = $146,949 projected annual revenue<br> • $146,949 ÷ 12 = $12,245.75 average monthly income<br> • $12,245.75 ÷ $9,569 = 1.26 DSCR<br> The STR report itself also reflects projected annual revenue of approximately $148,200, which is consistent with the above calculation. Using the correct methodology, the DSCR is 1.26, which exceeds the lender's minimum DSCR requirement of 1.0.<br> The DSCR of 0.947 cited in the TPR finding is the result of an expense-based calculation that is not required by the STR feasibility methodology and is not supported by lender guidelines.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct STR DSCR calculation standard. If an alternative methodology is being applied, please provide the specific guideline section authorizing the use of net income after operating expenses for STR DSCR calculations. Please escalate this to management or clear this finding. <br> - Seller-01/29/2026 <br> Counter-Review calculation as follows: STR report reflects projected annual revenue of $148,200 less Operating Expenses $59,000 = $89,200/12= $7,433.33 STR/$7,843.82 PITIA=0.947 DSCR - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Please provide the worksheet or calculation method used to arrive at the DSCR of 0.947, as this figure does not align with the Short-Term Rental Feasibility Report or the lender's DSCR calculation methodology.<br>As outlined in our prior response, the DSCR is calculated using the income methodology provided in the Act Appraisal Short-Term Feasibility Report:<br>Formula: <br> Average Daily Rental Rate × Occupancy Rate × 365 ÷ 12 = Monthly Income Average<br> Monthly Income Average ÷ Qualifying PITIA = DSCR<br>Using the data from the feasibility report:<br>Average Daily Rental Rate: $732<br>Occupancy Rate: 55%<br>Projected Annual Revenue: $148,200 (report-supported)<br>Qualifying PITIA: $9,569<br>Calculation:<br>$732 × 55% = $402.60<br>$402.60 × 365 = $146,949 annual revenue<br>$146,949 ÷ 12 = $12,245.75 monthly income average<br>$12,245.75 ÷ $9,569 = 1.26 DSCR<br>The correct DSCR is 1.26, which meets and exceeds the lender's minimum DSCR requirement of 1.0.<br>Based on the above, the reported DSCR of 0.947 appears to be the result of an incorrect or unsupported calculation. Please clear this finding or escalate to management for resolution. - Seller-01/24/2026 <br> Counter-Received acceptable Short Term Rental Report. DSCR 0.947 less than the minimum DSCR per lender guidelines of '1'. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. <br> 3.4 Refinance Qualification for Short Term Rental<br> • An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed, subject to the following: ▪ Analysis must be completed pursuant to the lender's appraisal management process. <br> • ▪ Must be completed by a licensed appraiser. <br> • ▪ Must include daily rental rate and occupancy percentage. <br> See attached Short-Term Rental Feasibility Report from Act Appraisal. It meets all the requirements for an alternative market rent analysis. Please clear this finding or escalate to management. <br> - Seller-01/22/2026 <br> Counter-XXXX report is allowed on purchase transactions only. Subject is a refinance. Provide acceptable documentation meeting 3.4 of guidelines and minimum DSCR met. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-10.27 Lender notes the DSCR guidelines state - Any of the following methods may be used to determine gross monthly rental income: \*\*\* XXXX (XXXX) Rentalizer/Property Earning Potential Report accessed using the Explore Short-Term Rental Data, must meet the following requirements:<br>1. \*\*\* Revenue projection equals the average daily rental rate times the occupancy rate. \*\*\* supporting doc is the Act Appraisal Short-Term Rent Feasibility Report reflects Projected Annual Revenue of $148,200 and an Average Daily Rental Rate of $732 x Occupancy Rate of 55% = $402.60 x 365 = $146,949 /12 = $12,245.75 - monthly income average used to qualify. <br> $12,245.75 monthly income average /$9,695 monthly PITIA = 1.26 DSCR ratio meets the minimum 1.00 DSCR ratio. No issues found,<br> - Seller-01/17/2026 <br> Open-The Calculated DSCR of '0.948' is less than the minimum DSCR per lender guidelines of '1'. Monthly and yearly revenue projections based on XXXX data: XXXX estimates a projected annual revenue for the subject property of $148,200, annual operating expenses are estimated at $59,000, and net operating income estimated at $89,200/12. Lender used projected annual revenue and divided by 12 months. - Due Diligence Vendor-01/15/2026 | Ready for Review-We respectfully request supervisory review of the DSCR finding due to the continued use of an incorrect calculation methodology for a Short-Term Rental (STR) loan.<br> Your calculation of the DSCR by deducting operating expenses from projected STR revenue and dividing the resulting net income by PITIA, resulting in a DSCR of 0.947. This methodology is not supported by the Act Appraisal Short-Term Rental Feasibility Report and is not the lender's approved method for STR DSCR calculations.<br> Per the STR Feasibility Report and lender guidelines, DSCR for STR properties is calculated using gross rental income derived from the Average Daily Rate (ADR) and Occupancy Rate. Operating expenses are not deducted when calculating DSCR for STR loans.<br> Using the report-supported data:<br> • Average Daily Rental Rate (ADR): $732<br> • Occupancy Rate: 55%<br> • Qualifying PITIA: $9,569<br> Calculation:<br> • $732 × 55% = $402.60<br> • $402.60 × 365 = $146,949 projected annual revenue<br> • $146,949 ÷ 12 = $12,245.75 average monthly income<br> • $12,245.75 ÷ $9,569 = 1.26 DSCR<br> The STR report itself also reflects projected annual revenue of approximately $148,200, which is consistent with the above calculation. Using the correct methodology, the DSCR is 1.26, which exceeds the lender's minimum DSCR requirement of 1.0.<br> The DSCR of 0.947 cited in the TPR finding is the result of an expense-based calculation that is not required by the STR feasibility methodology and is not supported by lender guidelines.<br> We respectfully request supervisory review to resolve this finding in accordance with the correct STR DSCR calculation standard. If an alternative methodology is being applied, please provide the specific guideline section authorizing the use of net income after operating expenses for STR DSCR calculations. Please escalate this to management or clear this finding. <br> - Seller-01/29/2026 <br> Ready for Review-Please provide the worksheet or calculation method used to arrive at the DSCR of 0.947, as this figure does not align with the Short-Term Rental Feasibility Report or the lender's DSCR calculation methodology.<br>As outlined in our prior response, the DSCR is calculated using the income methodology provided in the Act Appraisal Short-Term Feasibility Report:<br>Formula: <br> Average Daily Rental Rate × Occupancy Rate × 365 ÷ 12 = Monthly Income Average<br> Monthly Income Average ÷ Qualifying PITIA = DSCR<br>Using the data from the feasibility report:<br>Average Daily Rental Rate: $732<br>Occupancy Rate: 55%<br>Projected Annual Revenue: $148,200 (report-supported)<br>Qualifying PITIA: $9,569<br>Calculation:<br>$732 × 55% = $402.60<br>$402.60 × 365 = $146,949 annual revenue<br>$146,949 ÷ 12 = $12,245.75 monthly income average<br>$12,245.75 ÷ $9,569 = 1.26 DSCR<br>The correct DSCR is 1.26, which meets and exceeds the lender's minimum DSCR requirement of 1.0.<br>Based on the above, the reported DSCR of 0.947 appears to be the result of an incorrect or unsupported calculation. Please clear this finding or escalate to management for resolution. - Seller-01/24/2026 <br> Ready for Review-Document Uploaded. <br> 3.4 Refinance Qualification for Short Term Rental<br> • An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed, subject to the following: ▪ Analysis must be completed pursuant to the lender's appraisal management process. <br> • ▪ Must be completed by a licensed appraiser. <br> • ▪ Must include daily rental rate and occupancy percentage. <br> See attached Short-Term Rental Feasibility Report from Act Appraisal. It meets all the requirements for an alternative market rent analysis. Please clear this finding or escalate to management. <br> - Seller-01/22/2026 <br> Ready for Review XXXX Lender notes the DSCR guidelines state - Any of the following methods may be used to determine gross monthly rental income: \*\*\* XXXX (XXXX) Rentalizer/Property Earning Potential Report accessed using the Explore Short-Term Rental Data, must meet the following requirements:<br>1. \*\*\* Revenue projection equals the average daily rental rate times the occupancy rate. \*\*\* supporting doc is the Act Appraisal Short-Term Rent Feasibility Report reflects Projected Annual Revenue of $148,200 and an Average Daily Rental Rate of $732 x Occupancy Rate of 55% = $402.60 x 365 = $146,949 /12 = $12,245.75 - monthly income average used to qualify. <br> $12,245.75 monthly income average /$9,695 monthly PITIA = 1.26 DSCR ratio meets the minimum 1.00 DSCR ratio. No issues found,<br> - Seller-01/17/2026 | Resolved-Used XXXX in file per GL. Operating expenses are not deducted when calculating DSCR for STR loans using XXXX. Using the report-supported data: • Average Daily Rental Rate (ADR): $732 • Occupancy Rate: 55% • Qualifying PITIA: $9,569 Calculation: • $732 × 55% = $402.60 • $402.60 × 365 = $146,949 projected annual revenue • $146,949 ÷ 12 = $12,245.75. - Due Diligence Vendor-02/03/2026 | LTV is less than guideline maximum - Required is 80. Borrower has 65. Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 703. Required is 640 Borrower has 703 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7122867 |
| XXXX | XXXX | 305035349 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305023759 C A | Closed | FCRE1510 | 2026-01-16 14:41 | 2026-01-22 15:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage Document (Deed of Trust) with signature and notary pages - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing signature and notary pages - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/20/2026<br>| Resolved-Received Mortgage Document (Deed of Trust) with signature and notary pages - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>LTV is less than guideline maximum - Required is 75 Borrower has 65.64 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7143647 |
| 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 | 305039326 C A | Closed | FCRE1441 | 2026-01-20 16:22 | 2026-02-11 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-The borrower has provided copies of their Mortgage Statements showing the payments were paid. Per the statements, the XXXX payments posted as follows: <br> XXXX posted XXXX; <br> XXXX Posted XXXX; <br> XXXX Posted XXXX; <br> XXXX Posted XXXX and <br> XXXX Posted XXXX.<br> Per guides – allows up to 6 rolling 30 day lates to be counted as 1 occurrence. Since late payments occurred between XXXX and XXXX, with XXXX being brought current, we would only count the 3 lates as 1 instance; therefore, the loan would meet the requirement for 1X30. <br> - Due Diligence Vendor-02/11/2026 <br> Counter-No new documents. Per comment .. Lender confirmed XXXX and XXXX payment were not remitted within the month due. Finding remains. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. See attached. XXXX posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX and XXXX Posted XXXX. - Seller-02/04/2026 <br> Counter-Received 2 XXXX statements (1 labeled as XXXX), XXXX, and XXXX. Per note payments for XXXX and XXXX 30 days delinquent. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation that supports the dates the payments were made and cleared. XXXX posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX and XXXX Posted XXXX. None of the payments were 30 days late as incorrectly reported. - Seller-02/03/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements 2x30 in past 12 months only 1x30 allowed. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. See attached. XXXX posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX and XXXX Posted XXXX. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation that supports the dates the payments were made and cleared. XXXX posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX; XXXX Posted XXXX and XXXX Posted XXXX. None of the payments were 30 days late as incorrectly reported. - Seller-02/03/2026 | Resolved-The borrower has provided copies of their Mortgage Statements showing the payments were paid. Per the statements, the XXXX – XXXX payments posted as follows: <br> XXXX posted XXXX; <br> XXXX Posted XXXX; <br> XXXX Posted XXXX; <br> XXXX Posted XXXX and <br> XXXX Posted XXXX.<br> Per guides – allows up to 6 rolling 30 day lates to be counted as 1 occurrence. Since late payments occurred between XXXX and XXXX, with XXXX being brought current, we would only count the 3 lates as 1 instance; therefore, the loan would meet the requirement for 1X30. <br> - Due Diligence Vendor-02/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  | 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 | 7188268 |
| XXXX | XXXX | 305039326 C A | Closed | FCRE0044 | 2026-01-20 11:08 | 2026-02-04 06:51 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquiries are related to this transaction. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-We agree the guide requires an LOE; however, in this case we can link the Inquiry to the Broker for this transaction. Please clear this item - Seller-02/03/2026 <br> Counter-Received confirmation of transferred appraisal. Please provide credit inquiry loe. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Please note the inquiries are for the subject loan. The loan had a Transferred Appraisal which confirms the prior lender on this loan was XXXX which matches the Inquiries. - Seller-01/27/2026 <br> Open-LOX for credit inquiries is missing. Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. - Due Diligence Vendor-01/20/2026 | Ready for Review-We agree the guide requires an LOE; however, in this case we can link the Inquiry to the Broker for this transaction. Please clear this item - Seller-02/03/2026 <br> Ready for Review-Please note the inquiries are for the subject loan. The loan had a Transferred Appraisal which confirms the prior lender on this loan was XXXX which matches the Inquiries. - Seller-01/27/2026 | Resolved-After further review, the inquiries are related to this transaction. - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7180200 |
| XXXX | XXXX | 305039298 C A | Closed | FCRE0184 | 2026-01-20 12:14 | 2026-01-22 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Missing Cash-out Letter on a Business Purpose Loan. Received Business Certification of Business Purpose - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide missing cash out letter. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/21/2026<br>| Resolved-Missing Cash-out Letter on a Business Purpose Loan. Received Business Certification of Business Purpose - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684. Required is 640 Borrower has 684<br>LTV is less than guideline maximum - Required is 65% Borrower has 60%. Required is 65 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7182534 |
| XXXX | XXXX | 305039298 C A | Closed | FCRE0046 | 2026-01-20 21:53 | 2026-01-22 17:20 | Resolved | 1 - Information C A | Credit | Borrower | Foreign National Country or Residence is on Sanctions List | Resolved-Received Sanction List Search with no results - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Lender note the Borrower and Country are not listed on Sanctions List Search. see attached - Seller-01/21/2026 <br> Open-Foreign National Country or Residence on Sanctions List. Foreign National Country or Residence on Sanctions List- XXXX appear to be listed under the Sanctions Country List. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Lender note the Borrower and Country are not listed on Sanctions List Search. see attached - Seller-01/21/2026<br>| Resolved-Received Sanction List Search with no results - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684. Required is 640 Borrower has 684<br>LTV is less than guideline maximum - Required is 65% Borrower has 60%. Required is 65 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7193224 |
| XXXX | XXXX | 305039298 C A | Closed | FCRE0042 | 2026-01-20 22:07 | 2026-01-22 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Affidavit was found or is not applicable. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Lender notes the Borrower and Country are not listed on Sanctions List Search. see attached - Seller-01/21/2026 | Ready for Review-Document Uploaded. Lender notes the Borrower and Country are not listed on Sanctions List Search. see attached - Seller-01/21/2026<br>| Resolved-Affidavit was found or is not applicable. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684. Required is 640 Borrower has 684<br>LTV is less than guideline maximum - Required is 65% Borrower has 60%. Required is 65 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7193312 |
| 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 XXXX 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 XXXX 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 XXXX 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 | 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 | OFAC Check Not Completed and/or Cleared | Resolved-OFAC 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-OFAC Check Not Completed and/or Cleared Provide OFAC 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-OFAC Check Completed and Cleared - 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. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7185942 |
| XXXX | XXXX | 305039219 C A | Closed | FCRE1206 | 2026-01-22 08:29 | 2026-01-23 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Seeler and settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026<br>| Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-01/23/2026<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 20.44 months of verified reserves.<br>Qualifying DTI below maximum allowed - DTI Required is 50%. Borrower has 40.72%. Required is 50 Borrower has 40.74 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7239072 |
| 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 | 305039369 D B A | Closed | FCRE1200 | 2026-01-22 11:40 | 2026-01-26 13:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount of XXXX (less than min of 100k), applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026<br>| Waived-Originator provided a waiver for loan amount of XXXX (less than min of 100k), applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026 | On time mortgage history exceeds guideline requirement - 0x30x24<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR can go below .75 Required is 0.01 Borrower has 1.091 | 0x30x24 housing history <br> 15 years on job <br> Price adjustment -1.00 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7246441 |
| XXXX | XXXX | 305039369 D B A | Closed | FCRE3978 | 2026-01-22 13:53 | 2026-01-26 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Rent Free letter from Spouse. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/23/2026 <br> Open-Missing rent free letter from spouse, community property state of XX is irrelevant still need LOE to meet guidelines. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/23/2026<br>| Resolved-Received Rent Free letter from Spouse. - Due Diligence Vendor-01/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x24<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR can go below .75 Required is 0.01 Borrower has 1.091 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7251031 |
| XXXX | XXXX | 305039369 D B A | Closed | FCRE1510 | 2026-01-16 16:39 | 2026-01-26 13:20 | 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-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/23/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description, Exhibit A, not in Mortgage Document chain. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/23/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x24<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR can go below .75 Required is 0.01 Borrower has 1.091 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7145790 |
| XXXX | XXXX | 305039217 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305044755 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 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 XXXX 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 XXXX 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 | 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 XXXX 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 | 305035293 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039304 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 | 305039361 D B A | Closed | FPRO9999 | 2026-01-23 13:45 | 2026-02-03 11:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Per the documents provided the pending litigation is not related to health, safety or structural issues. Attorney letter states the HOA insurance is providing the representation and the defendants were insured under a policy that provides coverage for the subject accident. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. A Limited Condominium Project Questionnaire dated XXXX was reviewed and acknowledges the existence of pending litigation. The questionnaire confirms that the litigation does not impact the safety, soundness, or marketability of the condominium project.<br> The disclosed litigation pertains to a slip-and-fall accident that occurred on a sidewalk adjacent to XXXX, and is not related to the subject unit or the condominium project itself.<br> In addition, an attorney letter was provided, which includes details and supporting documentation regarding the litigation, further confirming that the matter is non-structural, non-financial, and non-material to the project.<br> Based on the Limited Condo Review, Project Questionnaire, and attorney documentation, the pending litigation is acceptable and does not adversely affect the project's eligibility. Please clear this finding.<br> - Seller-01/26/2026 <br> Open-The condo project has pending litigation. Missing the Condo Questionnaire to determine if the Litigation is acceptable. Upon receipt, additional conditions may apply. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. A Limited Condominium Project Questionnaire dated XXXX was reviewed and acknowledges the existence of pending litigation. The questionnaire confirms that the litigation does not impact the safety, soundness, or marketability of the condominium project.<br> The disclosed litigation pertains to a slip-and-fall accident that occurred on a sidewalk adjacent to XXXX, and is not related to the subject unit or the condominium project itself.<br> In addition, an attorney letter was provided, which includes details and supporting documentation regarding the litigation, further confirming that the matter is non-structural, non-financial, and non-material to the project.<br> Based on the Limited Condo Review, Project Questionnaire, and attorney documentation, the pending litigation is acceptable and does not adversely affect the project's eligibility. Please clear this finding.<br> - Seller-01/26/2026 | Waived-Per the documents provided the pending litigation is not related to health, safety or structural issues. Attorney letter states the HOA insurance is providing the representation and the defendants were insured under a policy that provides coverage for the subject accident. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - Min reserves 0 mths. Borrower has 121.81 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 675 Required is 640 Borrower has 675 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7275857 |
| XXXX | XXXX | 305039361 D B A | Closed | FPRO1256 | 2026-01-23 23:57 | 2026-01-27 13:21 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received HOA Questionnaire. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached condo limited review questionnaire. Please clear this finding. - Seller-01/26/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. Please see attached condo limited review questionnaire. Please clear this finding. - Seller-01/26/2026<br>| Resolved-Received HOA Questionnaire. - Due Diligence Vendor-01/27/2026<br>| Months Reserves exceed minimum required - Min reserves 0 mths. Borrower has 121.81 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 675 Required is 640 Borrower has 675 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7282147 |
| XXXX | XXXX | 305039277 C A | Closed | FCRE1510 | 2026-01-22 10:48 | 2026-01-27 13:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, legal was present in the loan file. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-There is no attachment for the legal description. The legal description is outlined on page 3 of 13 of the DOT already delivered with the loan file. - Seller-01/26/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description attached to deed of trust. - Due Diligence Vendor-01/22/2026 | Ready for Review-There is no attachment for the legal description. The legal description is outlined on page 3 of 13 of the DOT already delivered with the loan file. - Seller-01/26/2026<br>| Resolved-Upon further review, legal was present in the loan file. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - LTV of 60% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 715 which exceeds the minimum of 600 Required is 600 Borrower has 715<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.06 |  |  | 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 | 7242026 |
| XXXX | XXXX | 305039270 C A | Closed | FCRE1206 | 2026-01-27 10:17 | 2026-01-29 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with Appraiser and Settlement agent. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached updated participants - Seller-01/27/2026 <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-01/27/2026 | Ready for Review-Document Uploaded. Please see attached updated participants - Seller-01/27/2026<br>| Resolved-Received Fraud Report with Appraiser and Settlement agent. - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum. Required is 60 Borrower has 55<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 600 Borrower has 765 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7311220 |
| XXXX | XXXX | 305039230 C A | Closed | finding-3634 | 2026-01-22 11:12 | 2026-01-29 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. THE $225 CURE WAS CAPTURED ON THE FINAL CD- SEE ATTACHED - Seller-01/28/2026 <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 $225.00.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 $225.00 (442 Completion) 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 $225.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. THE $225 CURE WAS CAPTURED ON THE FINAL CD- SEE ATTACHED - Seller-01/28/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - Reservs req'd 3 mths. Borrower has 12.79 mths in reserves.<br>Long term residence - Borrower is a long term resident at her current primary for over 20 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 7242777 |
| XXXX | XXXX | 305039203 C A | Closed | FCRE1510 | 2026-01-22 12:10 | 2026-03-13 11:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected documents and intent to re-record. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. Please see corrected DOT and confirmation it is being submitted for recording - Seller-03/11/2026 <br>Counter-Received recorded title and confirmation title accepted. Provide Notary date with acceptable corrective document. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. Lender notes the recorded Mortgage is recorded as is and being insured by the title company. Please see attached email chain from closing agent - Seller-01/28/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Notary date is incomplete. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see corrected DOT and confirmation it is being submitted for recording - Seller-03/11/2026 <br>Ready for Review-Document Uploaded. Lender notes the recorded Mortgage is recorded as is and being insured by the title company. Please see attached email chain from closing agent - Seller-01/28/2026<br>| Resolved-Received corrected documents and intent to re-record. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 775 which exceeds the minimum of 720 Required is 720 Borrower has 775<br>Months Reserves exceed minimum required - Verified assets of 34.7 months exceeds the minimum required of 6 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7247032 |
| XXXX | XXXX | 305039218 B A | Closed | FCOM1353 | 2026-01-22 14:33 | 2026-01-22 14:49 | 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'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/22/2026 |  | 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-01/22/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 42.55% Required is 50 Borrower has 42.55<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 64.71%. Required is 80 Borrower has 64.71<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 705. Required is 660 Borrower has 705 |  |  | 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 | 7252206 |
| XXXX | XXXX | 305044703 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039229 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039315 D B A | Closed | FCRE1198 | 2026-01-27 19:51 | 2026-02-13 09:39 | 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-02/13/2026 <br>Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 4 months in reserves - Seller-02/11/2026 <br>Open-Audited Reserves of 4.17 month(s) are less than Guideline Required Reserves of 6 month(s) Missing proof of 6 months reserves. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 4 months in reserves - Seller-02/11/2026<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 788 Required is 660 Borrower has 788 | FICO is 20 points above minimum<br> DSCR is above 1.2 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7322744 |
| XXXX | XXXX | 305039315 D B A | Closed | FPRO1245 | 2026-01-27 19:21 | 2026-01-30 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received Recertification of Value. - Due Diligence Vendor-01/30/2026 <br> Open-Primary Value Appraisal is Expired - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. This is a DSCR loan secured by a 5–10 unit multifamily commercial property. AVM and CDA valuation products apply to 1–4 unit residential properties only and are not applicable to this property type or loan program. To address appraisal age, a Recertification of Value dated XXXX was obtained confirming the original appraised value remains valid as of that date. Please clear this finding. - Seller-01/28/2026 <br> Open-Primary Value Appraisal is Expired 127 days old - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. This is a DSCR loan secured by a 5–10 unit multifamily commercial property. AVM and CDA valuation products apply to 1–4 unit residential properties only and are not applicable to this property type or loan program. To address appraisal age, a Recertification of Value dated XXXX was obtained confirming the original appraised value remains valid as of that date. Please clear this finding. - Seller-01/28/2026 | Resolved-Received Recertification of Value. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 788 Required is 660 Borrower has 788 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7322252 |
| XXXX | XXXX | 305030862 C A | Closed | FCRE7009 | 2026-01-28 13:46 | 2026-02-01 14:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received coverage checklist confirming sufficient coverage. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Document Uploaded. Please see attached RCE reflects XXXX same as HOI Coverage. Please expedite this to be cleared as soon as possible - Seller-01/29/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard insurance dwelling coverage is not sufficient. HOI should cover loan amount as this is the lesser of the cost new on appraisal - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see attached RCE reflects XXXX same as HOI Coverage. Please expedite this to be cleared as soon as possible - Seller-01/29/2026 | Resolved-Received coverage checklist confirming sufficient coverage. - Due Diligence Vendor-02/01/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 59.73<br>Months Reserves exceed minimum required - Min 0, actual 118.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7336107 |
| XXXX | XXXX | 305030862 C A | Closed | FCRE0045 | 2026-01-28 14:26 | 2026-02-01 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received fully executed ACH. - Due Diligence Vendor-02/01/2026 <br>Ready for Review-Document Uploaded. Lender notes the LOS tracking systems reflects this has been e-signed, Document completed and Check copy is provided, all suffice. Please expedite this to be cleared as soon as possible - Seller-01/29/2026 <br>Open-Foreign National but the ACH form is Missing from file. Foreign National/Non Perm resident alien but ACH form is not in file - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Lender notes the LOS tracking systems reflects this has been e-signed, Document completed and Check copy is provided, all suffice. Please expedite this to be cleared as soon as possible - Seller-01/29/2026<br>| Resolved-Received fully executed ACH. - Due Diligence Vendor-02/01/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 59.73<br>Months Reserves exceed minimum required - Min 0, actual 118.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7337030 |
| XXXX | XXXX | 305035400 D A | Closed | FCRE1491 | 2026-01-29 06:12 | 2026-02-12 10:01 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received HELOC statement. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. The source of the CTC funds were from the attached XXXX HELOC. - Seller-02/10/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Short assets of $24,942.14. Subject to additional conditions. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. The source of the CTC funds were from the attached XXXX HELOC. - Seller-02/10/2026 | Resolved-Received HELOC statement. - Due Diligence Vendor-02/12/2026<br>| Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7345655 |
| XXXX | XXXX | 305035400 D A | Closed | FCRE0105 | 2026-01-29 05:57 | 2026-02-09 07:31 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Client has provided correction email to question 18, complete inspection report, Notice of special assessment that began in XXXX - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/05/2026 <br> Counter-Received note from originator. Please have HOA clarify as HOA questionnaire reflects conflicting information as question 18 is marked No but inspection completed and special assessments for XXXX inspection costs. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Question 18 is related to XX Statute 553.899 and Question 19 states is if an inspection has been completed in the past 3 yeas; copy of first page of the inspection report or invoice is required. The file contains the cover page to the inspection. Any further clarification is unwarranted. - Seller-02/02/2026 <br> Counter-Received HOA questionnaire and page 1 of inspection Nov XXXX. HOA questionnaire reflects conflicting information as question 18 is marked No but inspection completed and special assessments for XXXX inspection costs. Please clarify. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Condo Questionnaire, only a copy of the first page of the inspection report or invoice is required. As indicated in the finding and attached, the file contains the cover page to the inspection. - Seller-01/29/2026 <br> Open-The file does not contain the required structural engineer report per state law. The file contains the cover page to the inspection but missing full report. Subject to additional conditions. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/05/2026 <br> Ready for Review-Question 18 is related to XX Statute 553.899 and Question 19 states is if an inspection has been completed in the past 3 yeas; copy of first page of the inspection report or invoice is required. The file contains the cover page to the inspection. Any further clarification is unwarranted. - Seller-02/02/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Condo Questionnaire, only a copy of the first page of the inspection report or invoice is required. As indicated in the finding and attached, the file contains the cover page to the inspection. - Seller-01/29/2026 | Resolved-Client has provided correction email to question 18, complete inspection report, Notice of special assessment that began in XXXX - Due Diligence Vendor-02/09/2026 | Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7345465 |
| XXXX | XXXX | 305035400 D A | Closed | FCRE1510 | 2026-01-29 05:13 | 2026-02-03 18:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received full security instrument with notary - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/02/2026 <br>Counter-Received security instrument reflecting Notary for B1 only. Missing Notary for B2. - Due Diligence Vendor-02/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing notary page to the mortgage. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026<br>| Resolved-Received full security instrument with notary - Due Diligence Vendor-02/03/2026<br>| Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7345152 |
| XXXX | XXXX | 305035400 D A | Closed | FCOM1350 | 2026-01-29 05:23 | 2026-02-01 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received complete signed loan agreement. - Due Diligence Vendor-02/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Partial'. Missing signature page of the loan agreement - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026<br>| Resolved-Received complete signed loan agreement. - Due Diligence Vendor-02/01/2026<br>| Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7345218 |
| XXXX | XXXX | 305035400 D A | Closed | FCRE0042 | 2026-01-28 16:12 | 2026-02-01 14:45 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Received XXXX Foreign National Affidavit for each borrower. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026 <br> Open-XXXX Foreign National Affidavit is Missing or Incomplete. Provide Missing Foreign National Affidavit. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/29/2026<br>| Resolved-Received XXXX Foreign National Affidavit for each borrower. - Due Diligence Vendor-02/01/2026 | Months Reserves exceed minimum required - Reserves = 81 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Long term residence - Long Term Residence = 9+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7339097 |
| XXXX | XXXX | 305039317 C A | Closed | FCRE1143 | 2026-01-29 13:41 | 2026-02-02 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received confirmation builder projected to turn over HOA at 90% sale. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Lender notes the HOA provided the Cake questionnaire that states "anticipated date the Project will be turned over to the unit owners?" Triggers at 90% sold. - Seller-01/30/2026 <br>Open-Builder is in control of HOA Missing the confirmation of when the Builder will transfer control of the HOA to the unit owners. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Lender notes the HOA provided the XXXX questionnaire that states "anticipated date the Project will be turned over to the unit owners?" Triggers at 90% sold. - Seller-01/30/2026 | Resolved-Received confirmation builder projected to turn over HOA at 90% sale. - Due Diligence Vendor-02/02/2026<br>| Months Reserves exceed minimum required - 0 mths reserves req'd. Borrowers have9 mths reserves. <br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 50 Required is 65 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7356626 |
| XXXX | XXXX | 305039317 C A | Closed | FCRE1510 | 2026-01-27 14:06 | 2026-02-02 15:06 | 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-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached Mtg DOT with legal copy - Seller-01/30/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description from the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. Please see attached Mtg DOT with legal copy - Seller-01/30/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/02/2026<br>| Months Reserves exceed minimum required - 0 mths reserves req'd. Borrowers have9 mths reserves. <br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 50 Required is 65 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7317093 |
| XXXX | XXXX | 305035413 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051978 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039330 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039233 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051957 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305052025 D A | Closed | FCRE0009 | 2026-02-03 18:01 | 2026-04-10 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Condo Rider | Resolved-Re-recorded Mtg DOT with Rider provided. - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached re-recorded Mtg DOT with Rider - Seller-04/09/2026 <br>Open-Missing Condo Rider - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached re-recorded Mtg DOT with Rider - Seller-04/09/2026<br>| Resolved-Re-recorded Mtg DOT with Rider provided. - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - The Borrowers has 94.48 months in reserves 2 months required by guidelines.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 762. Required is 660 Borrower has 770 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7427408 |
| XXXX | XXXX | 305039322 D A | Closed | FCRE1508 | 2026-02-03 20:17 | 2026-02-13 09:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-Received Alternate Credit for both borrowers. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Counter not Valid, See remaining pages 14-31 are for B2 assets. Please expedite this to be cleared as soon as possible - Seller-02/11/2026 <br> Counter-Received stamped bank printout for b1. Missing for B2 - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Lender notes Foreign National Credit XXXX requirements' stipulation was satisfied using the attached XXXX & XXXX bank statements. DD/MM/YYYY documenting a foreign financial banking relationship for the past 60-days may be utilized in this section. Please expedite this to be cleared as soon as possible <br> - Seller-02/04/2026 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Missing alternative credit documentation for both borrowers as Foreign Nationals. Other findings may apply. - Due Diligence Vendor-02/04/2026 | Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Counter not Valid, See remaining pages 14-31 are for B2 assets. Please expedite this to be cleared as soon as possible - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. Lender notes Foreign National Credit XXXX requirements' stipulation was satisfied using the attached XXXX & XXXX bank statements. DD/MM/YYYY documenting a foreign financial banking relationship for the past 60-days may be utilized in this section. Please expedite this to be cleared as soon as possible <br> - Seller-02/04/2026 | Resolved-Received Alternate Credit for both borrowers. - Due Diligence Vendor-02/13/2026<br>| LTV is less than guideline maximum - 70% LTV below max allowed of 75%<br>Months Reserves exceed minimum required - Reserves: 14 Min 6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7428172 |
| XXXX | XXXX | 305039322 D A | Closed | FCRE2244 | 2026-02-03 19:41 | 2026-02-05 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, no safety issue and repairs have been authorized by the board. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Lender notes the HOA Questionnaire \*\*\*updates / is the most recent\*\*\* see item 21 with NO "Is there significant deferred maintenance posted to the subject property?", Also see items 24-28, all reflect no needed repairs and meets habitability requirements. Please expedite this to be cleared as soon as possible - Seller-02/04/2026 <br> Open-Property Issues are identified for the property Per Engineer's Report dated XXXX Engineer comments in several sections that subject project is in Fair Condition, citing cracks and spalling concrete and cracks at exterior wall requiring structural repairs, observing previous patches. Steel stand at AC Units in Poor Condition. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Lender notes the HOA Questionnaire \*\*\*updates / is the most recent\*\*\* see item 21 with NO "Is there significant deferred maintenance posted to the subject property?", Also see items 24-28, all reflect no needed repairs and meets habitability requirements. Please expedite this to be cleared as soon as possible - Seller-02/04/2026<br>| Resolved-Upon further review, no safety issue and repairs have been authorized by the board. - Due Diligence Vendor-02/05/2026<br>| LTV is less than guideline maximum - 70% LTV below max allowed of 75%<br>Months Reserves exceed minimum required - Reserves: 14 Min 6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7427968 |
| XXXX | XXXX | 305035422 C A | Closed | FCRE7009 | 2026-02-03 17:08 | 2026-03-19 15:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated replacement cost estimate provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 <br> Counter-Nationwide insurance Estimate is not the subjects insurer which is required by the guidelines. Please provide RCE from Insurer or 3rd Party RCE - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please refer to Section XXXX – Hazard Insurance, which states that hazard insurance coverage must be equal to the lesser of:<br>The replacement cost of the dwelling, as supported by a Replacement Cost Estimator (RCE), or<br>The unpaid principal balance of the mortgage<br>Section XXXX further clarifies that an acceptable Replacement Cost Estimator may be:<br>Provided by the property insurer, or<br>Provided by a third-party source (e.g., XXXX), or<br>Based on the estimated cost to replace the dwelling from a recent appraisal, if available<br>In this case, the Replacement Cost Estimator was provided by XXXX, a third-party source, which is explicitly permitted under the guideline. The RCE reflects a replacement cost of $536,901, and the borrower's hazard insurance policy provides $550,000 in dwelling coverage.<br>Because the coverage exceeds the documented replacement cost, the policy satisfies Section XXXX requirements. The loan amount is not the controlling factor when the replacement cost is lower.<br>Conclusion: The hazard insurance coverage meets guideline requirements. No further action is required. Please clear the finding. - Seller-02/08/2026 <br> Counter-Received insurance estimate from another company (not insurer or agent). Please RCE meeting requirements of guideline XXXX - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. For this loan, the loan amount is XXXX, but the applicable standard for hazard insurance is that coverage must meet the lesser of:<br>The replacement cost of the improvements, or The loan amount<br>A Replacement Cost Estimator (RCE) was completed for the subject property, reflecting an insurable replacement cost of $536,901. The borrower's hazard insurance policy provides $550,000 in dwelling coverage.<br>Because the hazard insurance coverage exceeds the documented replacement cost, the policy meets all agency and investor requirements. The loan amount is not the determining factor when replacement cost is lower.<br>This property is located in XXXX, and the coverage amount is fully adequate for the insurable value of the improvements.<br>Conclusion: <br> The hazard insurance coverage is sufficient and satisfies guideline requirements. No further action is needed. - Seller-02/04/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard insurance dwelling coverage is not sufficient - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. Please refer to Section XXXX – Hazard Insurance, which states that hazard insurance coverage must be equal to the lesser of:<br>The replacement cost of the dwelling, as supported by a Replacement Cost Estimator (RCE), or<br>The unpaid principal balance of the mortgage<br>Section XXXX further clarifies that an acceptable Replacement Cost Estimator may be:<br>Provided by the property insurer, or<br>Provided by a third-party source (e.g., XXXX), or<br>Based on the estimated cost to replace the dwelling from a recent appraisal, if available<br>In this case, the Replacement Cost Estimator was provided by XXXX, a third-party source, which is explicitly permitted under the guideline. The RCE reflects a replacement cost of $536,901, and the borrower's hazard insurance policy provides $550,000 in dwelling coverage.<br>Because the coverage exceeds the documented replacement cost, the policy satisfies Section XXXX requirements. The loan amount is not the controlling factor when the replacement cost is lower.<br>Conclusion: The hazard insurance coverage meets guideline requirements. No further action is required. Please clear the finding. - Seller-02/08/2026 <br> Ready for Review-Document Uploaded. For this loan, the loan amount is XXXX, but the applicable standard for hazard insurance is that coverage must meet the lesser of:<br>The replacement cost of the improvements, or The loan amount<br>A Replacement Cost Estimator (RCE) was completed for the subject property, reflecting an insurable replacement cost of $536,901. The borrower's hazard insurance policy provides $550,000 in dwelling coverage.<br>Because the hazard insurance coverage exceeds the documented replacement cost, the policy meets all agency and investor requirements. The loan amount is not the determining factor when replacement cost is lower.<br>This property is located in JXXXX, and the coverage amount is fully adequate for the insurable value of the improvements.<br>Conclusion: <br> The hazard insurance coverage is sufficient and satisfies guideline requirements. No further action is needed. - Seller-02/04/2026 | Resolved-Updated replacement cost estimate provided. - Due Diligence Vendor-03/19/2026<br>| Months Reserves exceed minimum required - 10 months reserves exceeds 0 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7426665 |
| XXXX | XXXX | 305051994 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051984 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051987 C A | Closed | FCRE1143 | 2026-02-05 10:59 | 2026-02-17 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved--HOA questionnaire confirms 65% of units have sold and developer will turnover HOA to owners once sales reach 90%. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX". HOA will be transferred to Unit Owners at 90% of units sold. - Seller-02/06/2026 <br> Open-Builder is in control of HOA Missing approximate date of transfer. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX". HOA will be transferred to Unit Owners at 90% of units sold. - Seller-02/06/2026 | Resolved--HOA questionnaire confirms 65% of units have sold and developer will turnover HOA to owners once sales reach 90%. - Due Diligence Vendor-02/17/2026<br>| LTV is less than guideline maximum - LTV Required is 70% Borrower has 50%. Required is 70 Borrower has 50<br>Months Reserves exceed minimum required - Reserves = 718 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7466000 |
| XXXX | XXXX | 305051968 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039335 D B A | Closed | FCRE1480 | 2026-02-05 16:36 | 2026-02-18 17:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Conversion calculation - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Conversion of XXXX to USD that has been uploaded to your system. Please clear this finding. - Seller-02/15/2026 <br> Counter-Received Bank Statement. Statement provided did not reflect conversion. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached translation of the XXXX bank statements. - Seller-02/06/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing translation of the XXXX bank statements to review activity. Upon receipt additional information maybe required. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Please see attached Conversion of XXXX to USD that has been uploaded to your system. Please clear this finding. - Seller-02/15/2026 <br> Ready for Review-Document Uploaded. Please see attached translation of the XXXX bank statements. - Seller-02/06/2026 | Resolved-Received Conversion calculation - Due Diligence Vendor-02/18/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.318<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7476758 |
| XXXX | XXXX | 305039335 D B A | Closed | FCRE9996 | 2026-02-05 17:59 | 2026-02-10 14:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator provided a waiver to allow minimum square footage of 500, applied to non material finding with comp factors - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Please see attached approved exception request form. - Seller-02/06/2026 <br>Open-Properties with less than 500 square feet of living space are not eligible. Subject has 391 square feet<br> - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Please see attached approved exception request form. - Seller-02/06/2026<br>| Waived-Originator provided a waiver to allow minimum square footage of 500, applied to non material finding with comp factors - Due Diligence Vendor-02/10/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.318<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 | DSC% is greater than 1.2<br> - LTV is 5% less than guideline max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7478621 |
| XXXX | XXXX | 305039335 D B A | Closed | FPRO1256 | 2026-02-05 16:46 | 2026-02-10 14:32 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. This finding is not applicable.<br> The HOA Questionnaire indicates that builder control turnover is based on project completion milestones. Specifically, the questionnaire states that turnover will begin once 90% of the units have closed. A specific calendar date is not provided because turnover is contingent upon this completion threshold.<br> Under XXXX guidelines, disclosure of the turnover condition is acceptable when a fixed date is not available. The HOA Questionnaire is therefore complete as provided, and no additional documentation is required at this time.<br> Please clear this finding.<br> - Seller-02/06/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing the date that the Builder will turn over control to the HOA. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. This finding is not applicable.<br> The HOA Questionnaire indicates that builder control turnover is based on project completion milestones. Specifically, the questionnaire states that turnover will begin once 90% of the units have closed. A specific calendar date is not provided because turnover is contingent upon this completion threshold.<br> Under XXXX guidelines, disclosure of the turnover condition is acceptable when a fixed date is not available. The HOA Questionnaire is therefore complete as provided, and no additional documentation is required at this time.<br> Please clear this finding.<br> - Seller-02/06/2026 | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-02/10/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.318<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7476980 |
| XXXX | XXXX | 305051927 C B A | Closed | finding-3634 | 2026-02-04 20:47 | 2026-02-13 08:26 | 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-02/13/2026 <br> Ready for Review-Document Uploaded. CURE DOCS UPLOADED - Seller-02/11/2026 <br> Counter------Need copy of letter to borrower, check and shipping label. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHMENTS- WILL REQUEST A CHECK FOR $375 AND LABEL IF AGREED UPON - Seller-02/09/2026 <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 $1,000.00.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 $1000.00 (Second 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 $1000.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. CURE DOCS UPLOADED - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHMENTS- WILL REQUEST A CHECK FOR $375 AND LABEL IF AGREED UPON - Seller-02/09/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 758. Required is 720 Borrower has 758<br>Months Reserves exceed minimum required - 155.91 months in reserves; guideline requires 9 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7452477 |
| XXXX | XXXX | 305051927 C B A | Closed | finding-3542 | 2026-02-04 15:51 | 2026-02-10 08:25 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved------Received copy of PCCD. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-No, a new 3-day waiting period is NOT required for an APR decrease.<br>Under TRID rules, a lender only has to reset the 3-business-day clock if one of three things happens:<br>APR increases beyond tolerance<br>Fixed-rate loan: increase ≥ 0.125%<br>ARM: increase ≥ 0.25%<br>Loan product changes (e.g., fixed → ARM)<br>A prepayment penalty is added<br>An APR decrease—like from 8.207% to 8.008%—does not trigger redisclosure timing. The lender can issue an updated CD and close as scheduled (even same day). - Seller-02/09/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 8.207% on CD XXXX changed to 8.008% on final CD XXXX without a new three day waiting period. - Due Diligence Vendor-02/04/2026 | Ready for Review-No, a new 3-day waiting period is NOT required for an APR decrease.<br>Under TRID rules, a lender only has to reset the 3-business-day clock if one of three things happens:<br>APR increases beyond tolerance<br>Fixed-rate loan: increase ≥ 0.125%<br>ARM: increase ≥ 0.25%<br>Loan product changes (e.g., fixed → ARM)<br>A prepayment penalty is added<br>An APR decrease—like from 8.207% to 8.008%—does not trigger redisclosure timing. The lender can issue an updated CD and close as scheduled (even same day). - Seller-02/09/2026<br>| Resolved------Received copy of PCCD. Finding Resolved. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 758. Required is 720 Borrower has 758<br>Months Reserves exceed minimum required - 155.91 months in reserves; guideline requires 9 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7447934 |
| XXXX | XXXX | 305035309 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305052002 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051928 C A | Closed | FCRE1148 | 2026-02-06 20:28 | 2026-02-12 17:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with Coverage Amount of $242250 - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/10/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/10/2026<br>| Resolved-Received updated Title with Coverage Amount of $242250 - Due Diligence Vendor-02/12/2026 | DSCR % greater than 1.20 - Required is 0 Borrower has 1.331 Required is 0 Borrower has 1.331<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 Required is 720 Borrower has 744 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7501946 |
| XXXX | XXXX | 305051993 D B A | Closed | FCRE1441 | 2026-02-09 11:18 | 2026-05-21 15:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted. Waiver applied to non-material finding with comp factors, Provided Approved Exception for 1X30 - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Provide proof of approved exception for 1X30 mortgage late within 12m, missing from file. (UW notes on 1008 indicate an exception for mortgage late was approved). - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026<br>| Waived-Originator exception granted. Waiver applied to non-material finding with comp factors, Provided Approved Exception for 1X30 - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Required is 700 Borrower has 812 | Fico score is at least 20 points above minimum for Program<br> LTV is 5% less than guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7517131 |
| XXXX | XXXX | 305051993 D B A | Closed | FCRE8887 | 2026-02-09 13:05 | 2026-03-03 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Client provided explanation as to why CB 1003 dated after Note date. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Lender notes B2 was not able to sign a final Commercial loan application at time of loan docs being signed due to LOS SYS did not auto populate one / did not generate. The closing department generated said application to be executed after and that is way the date is XXXX, this has been reconciled now and should suffice. Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br> Counter-Received final 1003 for borrower dated XXXX which matches note. 1003 for Coborrower is dated XXXX, provide final 1003 for CB dated XXXX - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached, Please expedite this to be cleared as soon as possible - Seller-02/24/2026 <br> Counter-Finding remains. Lender provided fully executed Initial 1003 for both borrowers, missing fully executed Final 1003 for both borrowers. final 1003 in upload for different borrower, page 145 in upload - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Both Final 1003 applications are attached one for each, B1 & B2 - Seller-02/09/2026 <br> Open-Missing final signed application for B2. - Due Diligence Vendor-02/09/2026 | Ready for Review-Lender notes B2 was not able to sign a final Commercial loan application at time of loan docs being signed due to LOS SYS did not auto populate one / did not generate. The closing department generated said application to be executed after and that is way the date is XXXX, this has been reconciled now and should suffice. Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached, Please expedite this to be cleared as soon as possible - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. Both Final 1003 applications are attached one for each, B1 & B2 - Seller-02/09/2026 | Resolved-Client provided explanation as to why CB 1003 dated after Note date. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Required is 700 Borrower has 812 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7520089 |
| XXXX | XXXX | 305051997 C A | Closed | FCRE1118 | 2026-02-04 16:53 | 2026-02-17 16:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Received Borrowing Certificate. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the borrower is personally liable on the NOTE, signed as BORROWER NAME(S): XXXX and DOT Vesting is signed by the OWNER NAME(S): XXXX, Both signatures Blocks are utilized properly. Please expedite this to be cleared as soon as possible <br> - Seller-02/12/2026 <br> Counter-Received Signature Block approval. The Approval provided shows a Signature block for the borrower that is not included on the DOT received. Finding remains. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Lender Notes the signature blocks were reviewed and approved by the Legal team - XXXX Review team and deemed proper for signing the closing documents. Please see attached Legal advised documentation - Seller-02/10/2026 <br> Open-Borrower 1 Signature does not match Note Borrower signature on Note not same as signed the Deed of Trust. It appears that the borrower did not sign and Managing member did sign and she is not on the application. Borrower to sign the DOT/ Mortgage documentation. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the borrower is personally liable on the NOTE, signed as BORROWER NAME(S): XXXX and DOT Vesting is signed by the OWNER NAME(S): XXXX, Both signatures Blocks are utilized properly. Please expedite this to be cleared as soon as possible <br> - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. Lender Notes the signature blocks were reviewed and approved by the Legal team - XXXX Review team and deemed proper for signing the closing documents. Please see attached Legal advised documentation - Seller-02/10/2026 | Resolved-Received Borrowing Certificate. - Due Diligence Vendor-02/17/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.288<br>LTV is less than guideline maximum - Required is 70 Borrower has 59.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7449299 |
| XXXX | XXXX | 305051997 C A | Closed | FPRO0007 | 2026-02-09 12:24 | 2026-02-17 15:52 | Resolved | 1 - Information C A | Property | Property | Condo Warrantable Comment Check | Resolved-Received 1008 with UW attestation of warrantability - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Make sure guides/matrix are verified and meet for this type of condo. If Condo Project is Not Warrantable ensure comment is left in comment box. Lender indicates project not confirmed established per XXXX. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received 1008 with UW attestation of warrantability - Due Diligence Vendor-02/12/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.288<br>LTV is less than guideline maximum - Required is 70 Borrower has 59.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7519075 |
| XXXX | XXXX | 305051997 C A | Closed | FCRE0197 | 2026-02-09 12:24 | 2026-02-17 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/12/2026 <br> Counter-Received duplicate CD. CD provided does not include funds paid to/from seller. Review of initial file reveal a CD not executed and reflect a Payoff IAO $410,408.08 to XXXX not reflected on title. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached final CD - Seller-02/10/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the Final Seller CD/ HUD. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached final CD - Seller-02/10/2026<br>| Resolved-Received Seller CD. - Due Diligence Vendor-02/17/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.288<br>LTV is less than guideline maximum - Required is 70 Borrower has 59.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7519076 |
| XXXX | XXXX | 305051997 C A | Closed | FCRE1480 | 2026-02-09 15:23 | 2026-02-17 15:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contains sufficient documentation for Asset 2. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Sufficient details have been verified and funds sources confirm to be borrowers funds. The transaction history documents reflect the Borrower's name "XXXX" with account ending in XXXX. Lender notes both the "Letter of Explanation – Source of Escrow deposits" and Closing agent "XXXX." Wire receipts reflect the "originator" account details, the borrower and Bank info, supporting the following: Deposit 1) $15,395 on XXXX from XXXX acct XXXX Deposit 2) $15k on XXXX from XXXX acct XXXX Deposit 3) $30,395 on XXXX from XXXX acct XXXX Deposit 4) $28,185 on XXXX from XXXX acct XXXX Deposit 5) $63k on XXXX from XXXX acct XXXX Deposit 6) $31k XXXX from XXXX acct XXXX Deposit 7) $60,185 on XXXX from XXXX acct XXXX Total of $243,160, All wired details info reflect our borrower as the originator. - Seller-02/12/2026 <br> Counter-Received Transaction history for XXXX and deposit receipts to escrow. XXXX, Verification of Deposits and Assets-Copies of bank statements or investment portfolio statements. All statements must :clearly identify the financial institution, clearly identify the borrower as the account holder, include at least the last four digits of the account number, include the time period covered by the statement, include all deposits and withdrawal transactions (for depository accounts), include all purchase and sale transactions (for financial portfolio accounts), and include the ending account balance. Documents that are faxed to the lender or downloaded from the Internet must clearly identify the name of the depository or investment institution and the source of information—for example, by including that information in the Internet or fax banner at the top of the document. --- - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Disagree, the transaction history documents reflect the Borrower's name "XXXX" with account ending in XXXX. Lender notes both the "Letter of Explanation – Source of Escrow deposits" and Closing agent "XXXX." Wire receipts reflect the "originator" account details, the borrower and Bank info, supporting the following:<br>Deposit 1) $15,395 on XXXX from XXXX acct XXXX<br> Deposit 2) $15k on XXXX from XXXX acct XXXX<br> Deposit 3) $30,395 on XXXX from XXXX acct XXXX<br> Deposit 4) $28,185 on XXXX from XXXX acct XXXX<br> Deposit 5) $63k on XXXX from XXXX acct XXXX<br> Deposit 6) $31k XXXX from XXXX acct XXXX <br> Deposit 7) $60,185 on XXXX from XXXX acct XXXX <br> Total of $243,160, All wired details info reflect our borrower as the originator. <br> - Seller-02/10/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing the bank name of #XXXX that reflects the withdrawals of many of the EMD payments made to Escrow and the Builder. Upon receipt, additional information maybe required. - Due Diligence Vendor-02/09/2026 | Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Sufficient details have been verified and funds sources confirm to be borrowers funds. The transaction history documents reflect the Borrower's name "XXXX" with account ending in XXXX. Lender notes both the "Letter of Explanation – Source of Escrow deposits" and Closing agent "XXXX." Wire receipts reflect the "originator" account details, the borrower and Bank info, supporting the following: Deposit 1) $15,395 on XXXX from XXXX acct XXXX Deposit 2) $15k on XXXX from XXXX acct XXXX Deposit 3) $30,395 on XXXX from XXXX acct XXXX Deposit 4) $28,185 on XXXX from XXXX acct XXXX Deposit 5) $63k on XXXX from XXXX acct XXXX Deposit 6) $31k XXXX from XXXX acct XXXX Deposit 7) $60,185 on XXXX from XXXX acct XXXX Total of $243,160, All wired details info reflect our borrower as the originator. - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. Disagree, the transaction history documents reflect the Borrower's name "XXXX" with account ending in XXXX. Lender notes both the "Letter of Explanation – Source of Escrow deposits" and Closing agent "XXXX." Wire receipts reflect the "originator" account details, the borrower and Bank info, supporting the following:<br>Deposit 1) $15,395 on XXXX from XXXX acct XXXX<br> Deposit 2) $15k on XXXX from XXXX acct XXXX<br> Deposit 3) $30,395 on XXXX from XXXX acct XXXX<br> Deposit 4) $28,185 on XXXX from XXXX acct XXXX<br> Deposit 5) $63k on XXXX from XXXX acct XXXX<br> Deposit 6) $31k XXXX from XXXX acct XXXX <br> Deposit 7) $60,185 on XXX from XXXX acct XXXX <br> Total of $243,160, All wired details info reflect our borrower as the originator. <br> - Seller-02/10/2026 | Resolved-Upon further review, the loan file contains sufficient documentation for Asset 2. - Due Diligence Vendor-02/17/2026<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.288<br>LTV is less than guideline maximum - Required is 70 Borrower has 59.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7523339 |
| XXXX | XXXX | 305051985 C A | Closed | FCRE1143 | 2026-02-09 15:05 | 2026-02-13 10:25 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received confirmation turn over at 90% of Units Sold - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX" - Seller-02/11/2026 <br> Open-Builder is in control of HOA Per guides, 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. Condo Questionnaire states builder/developer is in control of HOA but provides no additional details. Lender to obtain additional confirmation if control of HOA will transfer to unit owners after a predetermined percentage of unit sales or within a defined time period - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX" - Seller-02/11/2026 | Resolved-Received confirmation turn over at 90% of Units Sold - Due Diligence Vendor-02/13/2026<br>| Long term residence - Long Term Residence = 20+ years<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7522997 |
| XXXX | XXXX | 305051983 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 | 305051906 C A | Closed | FCRE1148 | 2026-02-10 08:55 | 2026-02-12 14:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Client provided updated Title Coverage Amount of $187600 - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached Title Report. No issues found. - Seller-02/10/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please see attached Title Report. No issues found. - Seller-02/10/2026<br>| Resolved-Client provided updated Title Coverage Amount of $187600 - Due Diligence Vendor-02/12/2026<br>| Long term residence - Long Term Residence = 8+ years<br>Months Reserves exceed minimum required - Verified assets of 14.88 months exceeds the minimum required of 0 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7534237 |
| XXXX | XXXX | 305052029 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051904 C A | Closed | FCRE0108 | 2026-02-10 13:56 | 2026-02-12 14:37 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Client provided Condo policy in which Fidelity Coverage is reflected - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. We respectfully disagree. The fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project ($1522770) is on the attached total $2,000,000 for D&O and Crime. - Seller-02/10/2026 <br>Open-Fidelity Coverage not met. Fidelity Coverage not met - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. We respectfully disagree. The fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project ($1522770) is on the attached total $2,000,000 for D&O and Crime. - Seller-02/10/2026<br>| Resolved-Client provided Condo policy in which Fidelity Coverage is reflected - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675<br>LTV is less than guideline maximum - Required is 70 Borrower has 54.9 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7542900 |
| XXXX | XXXX | 305051919 C A | Closed | FCRE9501 | 2026-02-10 17:15 | 2026-02-13 10:27 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received receipt of Gift Funds. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-2896.95'. Assets are Insufficient. The Borrower's assets to close are insufficient due to missing documentation of receipt of gift funds. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026<br>| Resolved-Received receipt of Gift Funds. - Due Diligence Vendor-02/13/2026<br>| Long term residence - Long Term Residence = 2+ years<br>Credit history exceeds minimum required - Credit History = 188 Months Minimum Credit History = 24 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7547156 |
| XXXX | XXXX | 305051919 C A | Closed | FCRE1480 | 2026-02-10 21:37 | 2026-02-13 10:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received receipt of Gift Funds. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing documentation of gift funds of $3,000 sent to escrow/title company at closing. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026<br>| Resolved-Received receipt of Gift Funds. - Due Diligence Vendor-02/13/2026<br>| Long term residence - Long Term Residence = 2+ years<br>Credit history exceeds minimum required - Credit History = 188 Months Minimum Credit History = 24 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7550682 |
| XXXX | XXXX | 305051891 C A | Closed | FCRE1510 | 2026-02-09 15:08 | 2026-02-13 14:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/11/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 13.82 months exceeds the minimum required of 6 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 31 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 | 7523046 |
| XXXX | XXXX | 305052033 D A | Closed | FCRE9501 | 2026-02-11 16:23 | 2026-05-21 10:36 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received account printout reflecting sufficient funds for closing. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Snippet of Final CD , Funds to Close and Bank Statement Transaction history from XXXX to XXXX showing available balance of $47,935.28. CTC from borrower is $41,714.48. Surplus is $6,220.80. No issues found. Please clear this finding. - Seller-02/13/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-38888.2'. Assets are Insufficient. Lender to provide additional asset documentation to cover shortage of verified assets to close. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached Snippet of Final CD , Funds to Close and Bank Statement Transaction history from XXXX to XXXX showing available balance of $47,935.28. CTC from borrower is $41,714.48. Surplus is $6,220.80. No issues found. Please clear this finding. - Seller-02/13/2026 | Resolved-Received account printout reflecting sufficient funds for closing. - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Credit History = 128 Months Minimum Credit History = 24 Months<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 620 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7568241 |
| XXXX | XXXX | 305052033 D A | Closed | FCRE1252 | 2026-02-11 15:28 | 2026-02-23 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Final Title w/correct Vesting. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Final Title Policy. Vesting is on LLC. Please clear this finding. - Seller-02/20/2026 <br> Open-Title Document is Incomplete Most recent revised commitment, dated XXXX, Schedule B Exception #6 indicates vesting to be held individually by the borrower. However, executed Mortgage in file reflects the property to remain vested in the borrower's business entity. Lender to provide a final title policy confirming correct vesting on title. Additional conditions may apply pending review. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached Final Title Policy. Vesting is on LLC. Please clear this finding. - Seller-02/20/2026<br>| Resolved-Received Final Title w/correct Vesting. - Due Diligence Vendor-02/23/2026<br>| Credit history exceeds minimum required - Credit History = 128 Months Minimum Credit History = 24 Months<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 620 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7567015 |
| XXXX | XXXX | 305052033 D A | Closed | FCRE1440 | 2026-02-11 16:11 | 2026-02-17 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received living rent free letter. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached rent-free letter. - Seller-02/12/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Per guides, FTHB's living rent-free must provide a rent-free letter. Rent-free letter not in file. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached rent-free letter. - Seller-02/12/2026<br>| Resolved-Received living rent free letter. - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Credit History = 128 Months Minimum Credit History = 24 Months<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 620 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7567966 |
| XXXX | XXXX | 305052033 D A | Closed | FCRE8887 | 2026-02-11 21:40 | 2026-02-17 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected final 1003 reflecting perm res alien. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1003. Please clear this finding. - Seller-02/13/2026 <br> Open-Lender to provide an updated loan application to amend the borrower's citizenship from XXXX to XXXX as evidenced by borrower's XXXX card and social security card provided in the loan file. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached PC 1003. Please clear this finding. - Seller-02/13/2026<br>| Resolved-Received corrected final 1003 reflecting perm res alien. - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Credit History = 128 Months Minimum Credit History = 24 Months<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 620 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7574675 |
| XXXX | XXXX | 305051890 C B A | Closed | FCRE8201 | 2026-02-12 09:56 | 2026-02-18 09:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception applied to non-material findings with comp factors. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached, exception used to final approve loan - Seller-02/12/2026 <br>Open-Borrower is living rent free; however, per guidelines only allowed on primary and second homes. Subject is an investment property. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached, exception used to final approve loan - Seller-02/12/2026<br>| Waived-Originator exception applied to non-material findings with comp factors. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.06 Required is 50 Borrower has 38.06 | DTI below max, FICO 777, 6 months reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7582574 |
| XXXX | XXXX | 305051890 C B A | Closed | FCRE1317 | 2026-02-11 23:08 | 2026-02-18 09:34 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Lender exception applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached, exception used to final approve loan - Seller-02/12/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Notations in file state exception being requested for gap of employment; however, no exception found in file. Employment gaps of more than 60 days within the most recent two (2) year period the borrower must be employed with current employer for a minimum of six (6) months. Borrowers start date is XXXX which does not meet guidelines. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached, exception used to final approve loan - Seller-02/12/2026<br>| Waived-Lender exception applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.06 Required is 50 Borrower has 38.06 | Income/DTI | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7574890 |
| XXXX | XXXX | 305051890 C B A | Closed | FCRE1206 | 2026-02-11 23:26 | 2026-02-17 17:34 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser missing from interested party and OFAC list. Additional findings may apply. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Received Fraud report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.06 Required is 50 Borrower has 38.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7574955 |
| XXXX | XXXX | 305051986 C A | Closed | FCRE1491 | 2026-02-12 08:26 | 2026-03-03 12:25 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The borrower has sufficient assets without the XXXX account. - Due Diligence Vendor-03/03/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof that the borrower is the account holder and has access to funds contained in the XXXX Bank account account holder is listed as XXXX (the account the EMD was originated from). - Due Diligence Vendor-02/12/2026 |  | Resolved-The borrower has sufficient assets without the XXXX account. - Due Diligence Vendor-03/03/2026 | Months Reserves exceed minimum required - Required reserves 6 mths. Borrower has 535.14 mths in reserves. <br>LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7580296 |
| XXXX | XXXX | 305051986 C A | Closed | FCRE1143 | 2026-02-12 07:55 | 2026-02-17 17:37 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received confirmation, turn over occurs at 90% closed units. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX" - Seller-02/12/2026 <br> Open-Builder is in control of HOA Missing proof of when the Developer/ Builder will give control of the Condo to the Unit Owners. Number of sold units does not meet guides. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached email from HOA states "The HOA turnover occurs at 90% closed units. Best, XXXX, XXXX" - Seller-02/12/2026 | Resolved-Received confirmation, turn over occurs at 90% closed units. - Due Diligence Vendor-02/17/2026<br>| Months Reserves exceed minimum required - Required reserves 6 mths. Borrower has 535.14 mths in reserves. <br>LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7579643 |
| XXXX | XXXX | 305051981 D B C A | Closed | FCRE0044 | 2026-02-17 17:29 | 2026-02-19 15:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE from the lender, inquiry is for subject transaction - Due Diligence Vendor-02/19/2026 <br> Ready for Review-This is a not a new inquiry, it is from XXXX which is related to this transaction. - Seller-02/18/2026 <br> Open-LOX for credit inquiries is missing. \*New\* please provide LOE for the Inquiry on XXXX reporting on the UDM report. - Due Diligence Vendor-02/17/2026 | Ready for Review-This is a not a new inquiry, it is from XXXX which is related to this transaction. - Seller-02/18/2026 | Resolved-Received LOE from the lender, inquiry is for subject transaction - Due Diligence Vendor-02/19/2026<br>| Credit history exceeds minimum required - Borrower has 0X30 credit and mortgage history reporting since XXXX.<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Required is 50 Borrower has 30.28 |  |  | 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 | 7664371 |
| XXXX | XXXX | 305051981 D B C A | Closed | FCRE1198 | 2026-02-12 09:52 | 2026-02-17 17:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver Reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br>Open-Audited Reserves of 7.2 month(s) are less than Guideline Required Reserves of 9 month(s) Provide additional assets to meet the reserve requirements. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026<br>| Waived-Originator provided a waiver Reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Borrower has 0X30 credit and mortgage history reporting since XXXX.<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Required is 50 Borrower has 30.28 | qualifying DTI is 5% below maximum allowed<br> 5+ years verified employment exceeds guidelines | 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 | 7582449 |
| XXXX | XXXX | 305051981 D B C A | Closed | FCRE5790 | 2026-02-12 15:17 | 2026-02-17 17:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). must be within 10 days of closing date - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026<br>| Resolved-Received UDM - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Borrower has 0X30 credit and mortgage history reporting since XXXX.<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Required is 50 Borrower has 30.28 |  | 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 | 7591436 |
| XXXX | XXXX | 305051981 D B C A | Closed | FCRE1201 | 2026-02-12 09:31 | 2026-02-17 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br>Open-Missing Third Party Fraud Report Provide Fraud Report with cleared findings - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-02/17/2026<br>| Credit history exceeds minimum required - Borrower has 0X30 credit and mortgage history reporting since XXXX.<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Required is 50 Borrower has 30.28 |  | 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 | 7581986 |
| XXXX | XXXX | 305051981 D B C A | Closed | finding-3352 | 2026-02-10 13:51 | 2026-02-13 08:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR PER XXXX - Seller-02/12/2026 <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-02/10/2026 | Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR PER XXXX - Seller-02/12/2026 | Resolved-Full appraisal and escrows. - Due Diligence Vendor-02/13/2026<br>| Credit history exceeds minimum required - Borrower has 0X30 credit and mortgage history reporting since XXXX.<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28 Required is 50 Borrower has 30.28 |  |  | 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 | 7542808 |
| XXXX | XXXX | 305051953 C A | Closed | FPRO9999 | 2026-02-12 09:41 | 2026-02-25 08:43 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Documentation that the pending litigation is in relation to a noise complaint. The litigation does not involve structural, safety or habitability. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. We kindly disagree, XXXX requirement to address litigation is for when the litigation is for Structural or Personal Injury concerns. The pending litigation is for a Noise Comlaint which is addressed in the XXXX Guide and does not render the project ineligible. Please see attached which address noise complaints. - Seller-02/20/2026 <br> Counter-Received and email chain which included an email from the attorney only stating that they are representing the association. The ocument does not state that the HOA insurance is providing the defense, or that the insurance carried will pay the litigation loss, if any. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. The Condo Questionnaire Addendum discloses pending litigation in which the HOA is named as a defendant in a matter involving a non-subject unit owner concerning alleged noise from a neighboring residence tower.<br>As confirmed in the documentation provided:<br>The litigation does not involve structural integrity, safety, habitability, financial solvency, or functional use of the project.<br>The matter is isolated and unrelated to the subject unit.<br>The complaint seeks compensatory damages in an amount to be determined at trial and does not state a specific monetary demand.<br>The following documentation has already been uploaded for review:<br>Condo project details<br>HOA attorney letter addressing the litigation<br>Filed complaint<br>All available information regarding this matter has been provided. Based on the nature of the lawsuit and supporting documentation, this litigation does not appear to pose material risk to the project or impact the subject unit's marketability.<br>Accordingly, we respectfully request reconsideration and removal of this condition, as the documentation in file sufficiently addresses the concern.<br>Please advise if any additional, specific documentation is required beyond what has already been submitted. Please clear this finding or escalate to management. - Seller-02/13/2026 <br> Open-The condo project has pending litigation. Per Condo questionnaire addendum HOA is defendant in a pending litigation involving non-subject unit owner. The litigation is in regard to alleged noise from the neighboring residence tower. The lawsuit appears minor in nature as it does not relate to the building's overall safety, structural soundness, habitability, or functional use of the project. The HOA addendum also notes to contact assigned attorney directly for additional information. Lender to provide amount of lawsuit and if the lawsuit is covered by insurance. Additional conditions may apply, pending review. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. We kindly disagree, XXXX's requirement to address litigation is for when the litigation is for Structural or Personal Injury concerns. The pending litigation is for a Noise Comlaint which is addressed in the XXXX Guide and does not render the project ineligible. Please see attached which address noise complaints. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. The Condo Questionnaire Addendum discloses pending litigation in which the HOA is named as a defendant in a matter involving a non-subject unit owner concerning alleged noise from a neighboring residence tower.<br>As confirmed in the documentation provided:<br>The litigation does not involve structural integrity, safety, habitability, financial solvency, or functional use of the project.<br>The matter is isolated and unrelated to the subject unit.<br>The complaint seeks compensatory damages in an amount to be determined at trial and does not state a specific monetary demand.<br>The following documentation has already been uploaded for review:<br>Condo project details<br>HOA attorney letter addressing the litigation<br>Filed complaint<br>All available information regarding this matter has been provided. Based on the nature of the lawsuit and supporting documentation, this litigation does not appear to pose material risk to the project or impact the subject unit's marketability.<br>Accordingly, we respectfully request reconsideration and removal of this condition, as the documentation in file sufficiently addresses the concern.<br>Please advise if any additional, specific documentation is required beyond what has already been submitted. Please clear this finding or escalate to management. - Seller-02/13/2026 | Resolved-Documentation that the pending litigation is in relation to a noise complaint. The litigation does not involve structural, safety or habitability. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - Reserves = 6.93 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7582205 |
| XXXX | XXXX | 305051894 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051893 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051915 C A | Closed | FCRE9501 | 2026-02-12 13:06 | 2026-02-18 12:17 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Lender notes an updated statement for XXXX account XXXX was provided. Please see attached updated verified $15,528.24 amount - Seller-02/13/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-2037.94'. Assets are Insufficient. Assets dated prior to closing are Insufficient. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Lender notes an updated statement for XXXX account XXXX was provided. Please see attached updated verified $15,528.24 amount - Seller-02/13/2026 | Resolved-Received additional assets. - Due Diligence Vendor-02/18/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x12 on time housing history exceeds guideline requirement 1x30x12<br>Long term residence - Long term residence of 2 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7587714 |
| XXXX | XXXX | 305051931 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051973 C A | Closed | finding-3635 | 2026-02-11 16:36 | 2026-02-18 10:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-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% ($1,533.00) exceed the comparable charges ($1,108.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. PLEASE REVIEW LE TO SEE IF THIS CLEARS SUSPENSE. - Seller-02/17/2026 <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% ($1,533.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. PLEASE REVIEW LE TO SEE IF THIS CLEARS SUSPENSE. - Seller-02/17/2026<br>| Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 642 Required is 600 Borrower has 642 |  | 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 | 7568753 |
| XXXX | XXXX | 305051973 C A | Closed | finding-3634 | 2026-02-11 16:36 | 2026-02-18 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. LE UPLOADED - Seller-02/17/2026 <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 $19,702.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Missing Initial LE, unable to test tolerance fees properly. Additional findings may apply upon receipt. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. LE UPLOADED - Seller-02/17/2026<br>| Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 642 Required is 600 Borrower has 642 |  | 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 | 7568750 |
| XXXX | XXXX | 305051973 C A | Closed | finding-3515 | 2026-02-11 16:36 | 2026-02-18 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. LE UPLOADED - Seller-02/17/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. LE UPLOADED - Seller-02/17/2026<br>| Resolved------Received Initial LE XXXX. Finding Resolved - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 51.92 Required is 70 Borrower has 51.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 642 Required is 600 Borrower has 642 |  | 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 | 7568754 |
| XXXX | XXXX | 305051961 C A | Closed | FCRE1198 | 2026-02-13 09:26 | 2026-02-23 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided Dec Chase statement, sufficient funds for closing and reserves - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Statement acct XXXX with $305,211.74 verified assets - Seller-02/19/2026 <br> Counter-Reviewed assets. As of XXXX we have $219,932.21 in account XXXX and $15,009.27 in account XXXX. Cash to close is $247,362.19 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Funds to close calculations, assets verified are more than funds required to close including reserves. - Seller-02/17/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional assets to meet reserve requirement. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached XXXX Statement acct XXXX with $305,211.74 verified assets - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached Funds to close calculations, assets verified are more than funds required to close including reserves. - Seller-02/17/2026 | Resolved-Client provided XXXX statement, sufficient funds for closing and reserves - Due Diligence Vendor-02/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.68 Required is 50 Borrower has 12.68<br>Long term residence - Borrower has lived at current primary for 6 years. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607234 |
| XXXX | XXXX | 305051961 C A | Closed | FCRE9501 | 2026-02-13 09:17 | 2026-02-23 13:44 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided XXXX statement. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Statement acct XXXX with $305,211.74 verified assets - Seller-02/19/2026 <br> Counter-Reviewed assets. As of XXXX we have $219,932.21 in account XXXX and $15,009.27 in account XXXX. Cash to close is $247,362.19 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Funds to close calculations, assets verified are more than funds required to close including reserves. - Seller-02/17/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-12420.71'. Assets are Insufficient. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. Please see attached XXXX Statement acct XXXX with $305,211.74 verified assets - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached Funds to close calculations, assets verified are more than funds required to close including reserves. - Seller-02/17/2026 | Resolved-Client provided XXXX statement. - Due Diligence Vendor-02/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.68 Required is 50 Borrower has 12.68<br>Long term residence - Borrower has lived at current primary for 6 years. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7607035 |
| XXXX | XXXX | 305052024 C B A | Closed | FCRE1198 | 2026-02-18 16:03 | 2026-02-23 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 26.36 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. The borrower has a XXXX account with XXXX with a balance of $19,459.43 as of XXXX.<br> After removal of $19,000 in gift funds per lender guidance (total remaining gift funds = $35,000), the verified funds are as follows:<br> • Total Available / Verified Funds: $115,631.68<br> • Cash to Close: $89,130.96<br> • Required 6-Month Reserves: $26,507.10<br> Calculation:<br> $115,631.68 – $89,130.96 = $26,500.72 (approximately equal to required reserves; variance due to rounding reflected in AUS calculation of $26,507.10)<br> The borrower therefore meets the 6-month reserve requirement. Please clear this finding. <br> - Seller-02/19/2026 <br> Open-Audited Reserves of 5.11 month(s) are less than Guideline Required Reserves of 6 month(s) \*New\* Per lender, removed $19k Gift funds. Total Gift funds are $35k. $136,699.42 available funds for closing and $144,130.96 Cash to close. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. The borrower has a XXXX account with XXXX with a balance of $19,459.43 as of XXXX.<br> After removal of $19,000 in gift funds per lender guidance (total remaining gift funds = $35,000), the verified funds are as follows:<br> • Total Available / Verified Funds: $115,631.68<br> • Cash to Close: $89,130.96<br> • Required 6-Month Reserves: $26,507.10<br> Calculation:<br> $115,631.68 – $89,130.96 = $26,500.72 (approximately equal to required reserves; variance due to rounding reflected in AUS calculation of $26,507.10)<br> The borrower therefore meets the 6-month reserve requirement. Please clear this finding. <br> - Seller-02/19/2026 | Resolved-Received additional assets. Audited Reserves of 26.36 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Min 6, actual 9.41<br>Qualifying FICO score is at least 20 points above minimum for program - , Required is 720 Borrower has 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7685022 |
| XXXX | XXXX | 305052024 C B A | Closed | FCRE1480 | 2026-02-17 05:08 | 2026-02-20 13:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. The original $19,000 gift deposit was replaced by a $20,000 gift deposit, which was received by escrow. Documentation of the $20,000 gift is included in the file and fully satisfies the gift funds requirement. Condition should be cleared. - Seller-02/17/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof of gift funds in the amount of $19,000. Proof gift was given at time of closing - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. The original $19,000 gift deposit was replaced by a $20,000 gift deposit, which was received by escrow. Documentation of the $20,000 gift is included in the file and fully satisfies the gift funds requirement. Condition should be cleared. - Seller-02/17/2026<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026<br>| Months Reserves exceed minimum required - Min 6, actual 9.41<br>Qualifying FICO score is at least 20 points above minimum for program - , Required is 720 Borrower has 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7646075 |
| XXXX | XXXX | 305052024 C B A | Closed | FCRE0140 | 2026-02-17 05:17 | 2026-02-18 16:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator provided a waiver to allow the higher amount of the lease, applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached approved exception form. - Seller-02/17/2026 <br> Open-Exception granted XXXX to accept the seller's new lease agreement plus 1st/security as sufficient evidence to give 120% of 1007. No exception found in loan file. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached approved exception form. - Seller-02/17/2026<br>| Waived-Originator provided a waiver to allow the higher amount of the lease, applied to non material finding with comp factors - Due Diligence Vendor-02/18/2026<br>| Months Reserves exceed minimum required - Min 6, actual 9.41<br>Qualifying FICO score is at least 20 points above minimum for program - , Required is 720 Borrower has 800 | FICO 20 more than minumum<br> 24 mth credit history exceeds inimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7646146 |
| XXXX | XXXX | 305052019 D A | Closed | FCRE5790 | 2026-02-13 11:41 | 2026-02-20 09:47 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-After further review, the credit is dated within 10 days of closing, - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please note that the loan was closed with a Credit Report pulled XXXX. Since the Credit Report was pulled within 10 days of closing, a Gap Report would not be required. Please clear this item. - Seller-02/20/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Must be within 10 days of closing date - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please note that the loan was closed with a Credit Report pulled XXXX. Since the Credit Report was pulled within 10 days of closing, a Gap Report would not be required. Please clear this item. - Seller-02/20/2026 | Resolved-After further review, the credit is dated within 10 days of closing, - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7611162 |
| XXXX | XXXX | 305052019 D A | Closed | FCRE7497 | 2026-02-13 12:56 | 2026-02-18 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026 <br>Open-Provide mortgage, taxes, insurance and HOA for properties 2b and 3c. Subject to additional conditions - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026<br>| Resolved-Received PITIA. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7613120 |
| XXXX | XXXX | 305051998 D A | Closed | FCRE6019 | 2026-02-10 16:52 | 2026-03-16 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received US Passport for both borrowers and updated 1003. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached US Passports for both borrowers and updated PC 1003. Please clear this finding. - Seller-03/13/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing Citizen docs for B1 & B2 (1003 shows XXXX). - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Ready for Review-Document Uploaded. Please see attached US Passports for both borrowers and updated PC 1003. Please clear this finding. - Seller-03/13/2026<br>| Resolved-Received US Passport for both borrowers and updated 1003. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7546201 |
| XXXX | XXXX | 305051998 D A | Closed | FCRE0179 | 2026-02-13 14:41 | 2026-02-19 12:55 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 - condo is non-warrantable. - Seller-02/17/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW Attestation/Docs stating warrantability of condo. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - condo is non-warrantable. - Seller-02/17/2026<br>| Resolved-Received UW Attestation. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7616285 |
| XXXX | XXXX | 305051998 D A | Closed | FPRO1255 | 2026-02-13 13:44 | 2026-02-19 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached condo project questionnaire. Please clear this finding. - Seller-02/17/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide missing condo questionnaire for review. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached condo project questionnaire. Please clear this finding. - Seller-02/17/2026<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7614950 |
| XXXX | XXXX | 305051998 D A | Closed | FCRE0117 | 2026-02-17 09:08 | 2026-02-19 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received missing Condo Docs - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 and Condo Full Review Questionnaire. Please clear this finding. - Seller-02/17/2026 <br>Open-The Condo Project Warrantability is Unable to Determine. Unable to determine the warrantability with out the questionnaire. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 and Condo Full Review Questionnaire. Please clear this finding. - Seller-02/17/2026<br>| Resolved-Received missing Condo Docs - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7651275 |
| XXXX | XXXX | 305051998 D A | Closed | FCRE1173 | 2026-02-13 13:50 | 2026-02-19 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master Policy - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached Condo Master Insurance Policy. - Seller-02/17/2026 <br>Open-Missing Condo Master Insurance Policy Provide missing Condo Master Insurance Policy, including Liability Coverage verified. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached Condo Master Insurance Policy. - Seller-02/17/2026<br>| Resolved-Received Master Policy - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7615122 |
| XXXX | XXXX | 305051954 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305052022 C B A | Closed | finding-3634 | 2026-02-12 13:50 | 2026-03-06 10:43 | 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-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <br> Counter------ Finding remains. Received internal screenshots reflecting increase. Provide evidence that increase amount and purpose was provided to borrower. Zero (0%) tolerance fees increased by $3,515.50(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 $3,515.50, 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-02/20/2026 <br> Ready for Review-Document Uploaded. see system evidence of when coc occurred for the tax and that it was disclosed timely. - Seller-02/19/2026 <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 $3,515.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $3,515.50(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 $3,515.50, 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-02/12/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Ready for Review-Document Uploaded. see system evidence of when coc occurred for the tax and that it was disclosed timely. - Seller-02/19/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - DTI of 27.32% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 27.32<br>Months Reserves exceed minimum required - Credit report reflects on time mortgage history for last 31 months |  | 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 | 7588804 |
| XXXX | XXXX | 305051960 C A | Closed | FCRE0042 | 2026-02-18 17:05 | 2026-02-25 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Upon further review, Affidavit is only required on Purchase transactions. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Per Underwriting Policy – XXXX, the XXXX Buyer Affidavit is required for purchase transactions only.<br>This loan is a cash-out refinance of an investment property, not a purchase transaction. Therefore, the XXXX FN Affidavit is not applicable to this file.<br>Please clear this finding as it is not valid for the transaction type. - Seller-02/23/2026 <br> Open-Provide fully executed XX FN Affidavit form. (Signed form in file did not check a line under #3). - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Per Underwriting Policy – XXXX, the XXXX Buyer Affidavit is required for purchase transactions only.<br>This loan is a cash-out refinance of an investment property, not a purchase transaction. Therefore, the XXXX FN Affidavit is not applicable to this file.<br>Please clear this finding as it is not valid for the transaction type. - Seller-02/23/2026 | Resolved-Upon further review, Affidavit is only required on Purchase transactions. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - 71 months reserves, 6 months required.<br>Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7685856 |
| XXXX | XXXX | 305051951 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051912 C A | Closed | FCRE1206 | 2026-02-19 16:22 | 2026-02-23 14:04 | 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-02/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026 <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-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/20/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/23/2026<br>| Months Reserves exceed minimum required - <br>DSCR % greater than 1.20 - Minimum DSCR is 1. Borrower DSCR is 1.307. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7707578 |
| XXXX | XXXX | 305044704 C A | Closed | FPRO1136 | 2026-02-19 13:05 | 2026-02-24 14:11 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Appraisal in file is As Is. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review, Lender Notes per page 7 of 7, the same XXXX Appraisal report was updated from "Subject to" condition, then updated on XXXX to "AS IS" status, all items are attached including Certificate Of Compliance "COC" on XXXX. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/20/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present The loan file contains 2 appraisal reports dated XXXX. One reflects as is condition. The other reflects subject to engineer certificate due to HUD certificate missing. The loan file does not contain the 1004D. Please provide. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please escalate this matter for manager review, Lender Notes per page 7 of 7, the same XXXX Appraisal report was updated from "Subject to" condition, then updated on XXXX to "AS IS" status, all items are attached including Certificate Of Compliance "COC" on XXXX. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/20/2026 | Resolved-Appraisal in file is As Is. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 788<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.55<br>DSCR % greater than 1.20 - Required is 1 Borrower has 2.437 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7703060 |
| XXXX | XXXX | 305052005 C A | Closed | FCRE1510 | 2026-02-20 13:14 | 2026-02-24 14:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please see attached. - Seller-02/20/2026 <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-02/20/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please see attached. - Seller-02/20/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7726145 |
| XXXX | XXXX | 305052005 C A | Closed | FPRO1137 | 2026-02-20 11:51 | 2026-02-24 14:13 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received Original Certification Date. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. The license for XXXX (License #XXXX) shows an Original Certification Date of XXXX. Please see attached. . - Seller-02/20/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. The license for XXXX (License #XXXX) shows an Original Certification Date of XXXX. Please see attached. . - Seller-02/20/2026 | Resolved-Received Original Certification Date. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7723996 |
| XXXX | XXXX | 305051989 C B A | Closed | finding-3634 | 2026-02-17 13:28 | 2026-02-27 09:38 | 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-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Counter-----Received Rebuttal. Corrected the HOA fees in section F and has been removed from the finding. Correct Finding is --- Zero (0%) tolerance fees increased by $4.00 Credit Report 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 $4.00, 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-02/25/2026 <br> Ready for Review-Document Uploaded. SEE REBUTTAL - WILL PROCESS THE CR CURE ONCE THE CONDITION IS AJDJUSTED - Seller-02/23/2026 <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 $8,072.79.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 $8,072.79 Credit Report and Homeowner's Due 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 $8,072.79, 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-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. SEE REBUTTAL - WILL PROCESS THE CR CURE ONCE THE CONDITION IS AJDJUSTED - Seller-02/23/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.32<br>Verified employment history exceeds guidelines - The Borrower has been with employed with the current employer for 30 years.<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 30.61 months; guideline minimum is 3 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 | 7659946 |
| XXXX | XXXX | 305051989 C B A | Closed | FCRE0105 | 2026-02-23 14:17 | 2026-02-25 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received HOA questionnaire, structural report performed XXXX. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. A finalized or stamped structural engineering report is not required. The completed questionnaire delivered with the loan file 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> - Seller-02/23/2026 <br> Open-The file does not contain the required structural engineer report per state law. Pictures of comparable property in the same project shows wood railings over 6 ft and subject was built in XXXX. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. A finalized or stamped structural engineering report is not required. The completed questionnaire delivered with the loan file 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> - Seller-02/23/2026 | Resolved-Received HOA questionnaire, structural report performed XXXX. - Due Diligence Vendor-02/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.32<br>Verified employment history exceeds guidelines - The Borrower has been with employed with the current employer for 30 years.<br>Months Reserves exceed minimum required - The Borrower has reserves in the amount of 30.61 months; guideline minimum is 3 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 | 7761774 |
| XXXX | XXXX | 305062493 D B A | Closed | FCRE1198 | 2026-02-23 19:25 | 2026-03-09 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived--Originator exception granted. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/09/2026 <br>Open-Audited Reserves of 4.37 month(s) are less than Guideline Required Reserves of 6 month(s) Lender exception in file to allow 3 months reserves, versus 6 months required per guides. - Due Diligence Vendor-02/24/2026 |  | Waived--Originator exception granted. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/09/2026<br>| Verified employment history exceeds guidelines - Borrower has been self-employed for 13 years in the same business.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x36+ months, 0x30x12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 minimum required, borrower has 748 | 5+ years of employment history. <br> 13 years on job. |  | 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 | 7767507 |
| XXXX | XXXX | 305062493 D B A | Closed | FPRO1256 | 2026-02-23 16:58 | 2026-03-06 13:54 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received confirmation Limited Review Type Q warranty and project is not ineligible. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-This transaction is a Limited Condo Review. Per applicable guidelines, a review of the HOA budget and reserve allocation requirements is not required for a Limited Review.<br> Accordingly, the noted budget deficiency regarding the allocation to replacement reserves is not applicable to this loan file.<br> Please clear this condition as it does not apply under Limited Condo Review requirements.<br> - Seller-03/04/2026 <br>Counter-Received budget. Budget document income of $1,126,010 and Expenses of $1,132,040. Budget does not meet noted guidelines: Annual budget specifies a minimum of 5% allocation of replacement reserves. Budget/Replacement Reserve Study Requirements allowed subject to the following requirements:• < 3% allocation to replacement reserves, provide condo questionnaire completed by HOA, copy of annual budget and a reserve study completed within the previous 5 years by one of the following professionals (CPA, General Contractor, or Property Manager with 3 years experience) - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached copy of the HOA Budget. - Seller-02/24/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Lender to provide copy of the HOA budget to verify warrantability. Additional conditions may apply pending review. - Due Diligence Vendor-02/23/2026 | Ready for Review-This transaction is a Limited Condo Review. Per applicable guidelines, a review of the HOA budget and reserve allocation requirements is not required for a Limited Review.<br> Accordingly, the noted budget deficiency regarding the allocation to replacement reserves is not applicable to this loan file.<br> Please clear this condition as it does not apply under Limited Condo Review requirements.<br> - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. Please see attached copy of the HOA Budget. - Seller-02/24/2026<br>| Resolved-Received confirmation Limited Review Type Q warranty and project is not ineligible. - Due Diligence Vendor-03/06/2026<br>| Verified employment history exceeds guidelines - Borrower has been self-employed for 13 years in the same business.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x36+ months, 0x30x12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 minimum required, borrower has 748 |  | 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 | 7765789 |
| XXXX | XXXX | 305062493 D B A | Closed | FCRE1506 | 2026-02-23 19:28 | 2026-02-26 11:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per GL XXXX when using personal bank statements to qualify then 10% expense factor is acceptable, updated income, DTI is inline - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per program guidelines, residual income is defined as:<br> Gross Monthly Qualifying Income<br> minus Total Monthly Debt Obligations<br> Minimum required residual income: $1,500<br> ________________________________________<br> Income Calculation<br> • Total Monthly Qualifying Income: XXXX<br> • Personal bank statement income used for qualification (90% factor): XXXX<br> The XXXX represents 90% of the total qualifying income of XXXX, as documented in the file.<br> ________________________________________<br> Debt Obligation Calculation<br> Total Monthly Debt Obligations used in the residual income calculation:<br> • Subject Property PITIA: $2,759.61<br> • Other Monthly Liabilities: $579.00<br> • Total Monthly Debt Obligation: $3,338.61<br> The liability with XXX Financial (Current balance: $13,070; Monthly payment: $1,041) was excluded from qualifying obligations in accordance with program guidelines, as fewer than 10 installment payments remain. Therefore, it is not required to be included in the total monthly debt calculation.<br> ________________________________________<br> Residual Income Calculation<br> XXXX – $3,338.61 = XXXX<br> The borrower's calculated residual income is XXXX, which substantially exceeds the program minimum requirement of $1,500.<br> ________________________________________<br> The XXXX residual income figure referenced in the finding does not reconcile with the documented qualifying income or the properly calculated monthly debt obligations reflected in the file.<br> Based on the documented calculations above, the residual income requirement is clearly satisfied. We respectfully request this finding be cleared up.<br> - Seller-02/24/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit DTI of 77.99% exceeds max of 50%.<br> Insufficient residual income. - Due Diligence Vendor-02/24/2026 | Ready for Review-Per program guidelines, residual income is defined as:<br> Gross Monthly Qualifying Income<br> minus Total Monthly Debt Obligations<br> Minimum required residual income: $1,500<br> ________________________________________<br> Income Calculation<br> • Total Monthly Qualifying Income: XXXX<br> • Personal bank statement income used for qualification (90% factor): XXXX<br> The XXXX represents 90% of the total qualifying income of XXXX, as documented in the file.<br> ________________________________________<br> Debt Obligation Calculation<br> Total Monthly Debt Obligations used in the residual income calculation:<br> • Subject Property PITIA: $2,759.61<br> • Other Monthly Liabilities: $579.00<br> • Total Monthly Debt Obligation: $3,338.61<br> The liability with XXXX Financial (Current balance: $13,070; Monthly payment: $1,041) was excluded from qualifying obligations in accordance with program guidelines, as fewer than 10 installment payments remain. Therefore, it is not required to be included in the total monthly debt calculation.<br> ________________________________________<br> Residual Income Calculation<br> XXXX – $3,338.61 = XXXX<br> The borrower's calculated residual income is XXXX, which substantially exceeds the program minimum requirement of $1,500.<br> ________________________________________<br> The XXXX residual income figure referenced in the finding does not reconcile with the documented qualifying income or the properly calculated monthly debt obligations reflected in the file.<br> Based on the documented calculations above, the residual income requirement is clearly satisfied. We respectfully request this finding be cleared up.<br> - Seller-02/24/2026 | Resolved-Per GL XXXX when using personal bank statements to qualify then 10% expense factor is acceptable, updated income, DTI is inline - Due Diligence Vendor-02/26/2026 | Verified employment history exceeds guidelines - Borrower has been self-employed for 13 years in the same business.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x36+ months, 0x30x12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 minimum required, borrower has 748 |  |  | 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 | 7768686 |
| XXXX | XXXX | 305062493 D B A | Closed | FCRE0174 | 2026-02-23 19:28 | 2026-02-26 11:33 | Resolved | 1 - Information D A | Credit | Eligibility | Residual Income does not meet Guideline Requirements | Resolved-Per GL XXXX when using personal bank statements to qualify, using 10% expense factor is acceptable - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per program guidelines, residual income is defined as:<br> Gross Monthly Qualifying Income<br> minus Total Monthly Debt Obligations<br> Minimum required residual income: $1,500<br> ________________________________________<br> Income Calculation<br> • Total Monthly Qualifying Income: XXXX<br> • Personal bank statement income used for qualification (90% factor): XXXX<br> The XXXX represents 90% of the total qualifying income of XXXX, as documented in the file.<br> ________________________________________<br> Debt Obligation Calculation<br> Total Monthly Debt Obligations used in the residual income calculation:<br> • Subject Property PITIA: $2,759.61<br> • Other Monthly Liabilities: $579.00<br> • Total Monthly Debt Obligation: $3,338.61<br> The liability with XXXX Financial (Current balance: $13,070; Monthly payment: $1,041) was excluded from qualifying obligations in accordance with program guidelines, as fewer than 10 installment payments remain. Therefore, it is not required to be included in the total monthly debt calculation.<br> ________________________________________<br> Residual Income Calculation<br> XXXX – $3,338.61 = XXXX<br> The borrower's calculated residual income is XXXX, which substantially exceeds the program minimum requirement of $1,500.<br>The XXXX residual income figure referenced in the finding does not reconcile with the documented qualifying income or the properly calculated monthly debt obligations reflected in the file.<br> Based on the documented calculations above, the residual income requirement is clearly satisfied. We respectfully request this finding be cleared up.<br> - Seller-02/24/2026 <br> Open-Residual Income does not meet Guideline Requirements Guides require a minimum residual income of $1,500 per month. Due to recalculated of income, the borrower has only XXXX of residual income. - Due Diligence Vendor-02/24/2026 | Ready for Review-Per program guidelines, residual income is defined as:<br> Gross Monthly Qualifying Income<br> minus Total Monthly Debt Obligations<br> Minimum required residual income: $1,500<br> ________________________________________<br> Income Calculation<br> • Total Monthly Qualifying Income: XXXX<br> • Personal bank statement income used for qualification (90% factor): XXXX<br> The XXXX represents 90% of the total qualifying income of XXXX, as documented in the file.<br> ________________________________________<br> Debt Obligation Calculation<br> Total Monthly Debt Obligations used in the residual income calculation:<br> • Subject Property PITIA: $2,759.61<br> • Other Monthly Liabilities: $579.00<br> • Total Monthly Debt Obligation: $3,338.61<br> The liability with XXXX Financial (Current balance: $13,070; Monthly payment: $1,041) was excluded from qualifying obligations in accordance with program guidelines, as fewer than 10 installment payments remain. Therefore, it is not required to be included in the total monthly debt calculation.<br> ________________________________________<br> Residual Income Calculation<br> XXXX – $3,338.61 = XXXX<br> The borrower's calculated residual income is XXXX, which substantially exceeds the program minimum requirement of $1,500.<br>The XXXX residual income figure referenced in the finding does not reconcile with the documented qualifying income or the properly calculated monthly debt obligations reflected in the file.<br> Based on the documented calculations above, the residual income requirement is clearly satisfied. We respectfully request this finding be cleared up.<br> - Seller-02/24/2026 | Resolved-Per GL XXXX when using personal bank statements to qualify, using 10% expense factor is acceptable - Due Diligence Vendor-02/26/2026 | Verified employment history exceeds guidelines - Borrower has been self-employed for 13 years in the same business.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x36+ months, 0x30x12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 minimum required, borrower has 748 |  |  | 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 | 7768687 |
| XXXX | XXXX | 305062493 D B A | Closed | FCRE1193 | 2026-02-23 19:39 | 2026-02-26 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Per GL XXXX when using personal bank statements to qualify using 10% expense factor is acceptable. DTI is in line with Matrix - Due Diligence Vendor-02/26/2026 <br> Ready for Review-The finding indicates income was recalculated using a default 50% expense factor, resulting in monthly qualifying income of $4,280.97 and a DTI of 77.99%.<br>However, this loan was underwritten using the personal bank statement program guidelines, not a default 50% expense ratio.<br>Income Calculation<br>Total Monthly Qualifying Income: XXXX<br>Income utilized for qualification (90% factor per program): XXXX<br>The XXXX reflects the program-required 90% adjustment to the documented monthly income of XXXX. This calculation is fully supported in the file and consistent with the applicable XXXX bank statement guidelines.<br>The use of a 50% default expense factor is not applicable to this file, as the income was derived from personal bank statements in accordance with program requirements.<br>Debt Obligation Calculation<br>Total Monthly Debt Obligations:<br>Subject Property PITIA: $2,759.61<br>Other Monthly Liabilities: $579.00<br>Total Monthly Debt: $3,338.61<br>The XXXX installment loan (Balance: $13,070; Payment: $1,041) was properly excluded, as fewer than 10 payments remain, consistent with program liability treatment guidelines.<br>DTI Calculation<br>$3,338.61 ÷ XXXX = 43.38%<br>The correct DTI is 43.38%, which is within the program maximum of 50%.<br>The audited DTI of 77.99% is based on an incorrect application of a 50% expense factor that is not required under the applicable bank statement program guidelines.<br>Based on the documented income calculation and properly applied liability treatment, the loan meets DTI requirements.<br>We respectfully request this finding be cleared.<br>- Seller-02/24/2026 <br> Open-Audited DTI of 77.99% exceeds Guideline DTI of 50% Guides allow max LTV of 50%. Audited income using the default expense factor of 50% resulted in a qualifying income of $4,280.97 per month. It should be noted that per guides, expense ratios less than 50% require a third-party prepared Business Expense Letter or P&L Statement. The CPA letter in file did not provide an expense factor and a P&L statement was not provided. - Due Diligence Vendor-02/24/2026 | Ready for Review-The finding indicates income was recalculated using a default 50% expense factor, resulting in monthly qualifying income of $4,280.97 and a DTI of 77.99%.<br>However, this loan was underwritten using the personal bank statement program guidelines, not a default 50% expense ratio.<br>Income Calculation<br>Total Monthly Qualifying Income: XXXX<br>Income utilized for qualification (90% factor per program): XXXX<br>The XXXX reflects the program-required 90% adjustment to the documented monthly income of XXXX. This calculation is fully supported in the file and consistent with the applicable XXXX bank statement guidelines.<br>The use of a 50% default expense factor is not applicable to this file, as the income was derived from personal bank statements in accordance with program requirements.<br>Debt Obligation Calculation<br>Total Monthly Debt Obligations:<br>Subject Property PITIA: $2,759.61<br>Other Monthly Liabilities: $579.00<br>Total Monthly Debt: $3,338.61<br>The XXXX installment loan (Balance: $13,070; Payment: $1,041) was properly excluded, as fewer than 10 payments remain, consistent with program liability treatment guidelines.<br>DTI Calculation<br>$3,338.61 ÷ XXXX = 43.38%<br>The correct DTI is 43.38%, which is within the program maximum of 50%.<br>The audited DTI of 77.99% is based on an incorrect application of a 50% expense factor that is not required under the applicable bank statement program guidelines.<br>Based on the documented income calculation and properly applied liability treatment, the loan meets DTI requirements.<br>We respectfully request this finding be cleared.<br>- Seller-02/24/2026 | Resolved-Per GL XXXX when using personal bank statements to qualify using 10% expense factor is acceptable. DTI is in line with Matrix - Due Diligence Vendor-02/26/2026 | Verified employment history exceeds guidelines - Borrower has been self-employed for 13 years in the same business.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x36+ months, 0x30x12 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 720 minimum required, borrower has 748 |  |  | 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 | 7768779 |
| XXXX | XXXX | 305062488 D A | Closed | FCRE0053 | 2026-02-23 18:27 | 2026-03-19 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Correction Affidavit from title for the PUD Rider was provided. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Please see attached DOT and the Correction Affidavit from title for the PUD Rider. - Seller-03/17/2026 <br>Counter-Received unexecuted DOT and Exhibits A and B (PUD rider) - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. PUD Rider is Missing - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached DOT and the Correction Affidavit from title for the PUD Rider. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026<br>| Resolved-Correction Affidavit from title for the PUD Rider was provided. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 21.51 Required is 70 Borrower has 21.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642 Required is 620 Borrower has 642 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7766721 |
| XXXX | XXXX | 305062488 D A | Closed | FCRE8887 | 2026-02-23 18:47 | 2026-03-11 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 and LOE from borrower provided. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 <br> Counter-Provide fully executed final 1003 with declaration checked No per documents provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/02/2026 <br> Open-Provide explanation for 1003 section 5 C borrowing money for this transaction of XXXX - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/02/2026<br>| Resolved-Updated 1003 and LOE from borrower provided. - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 21.51 Required is 70 Borrower has 21.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642 Required is 620 Borrower has 642 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7766796 |
| XXXX | XXXX | 305051966 C A | Closed | FCRE0045 | 2026-02-23 23:15 | 2026-02-26 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Form is located or is not applicable. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH form required for foreign national. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/25/2026<br>| Resolved-Form is located or is not applicable. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - Reserves = 1.76 months – Required Reserves = 0 Months<br>Long term residence - Long Term Residence = 16+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7771622 |
| XXXX | XXXX | 305051965 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305062513 C A | Closed | FCRE1198 | 2026-02-24 15:21 | 2026-03-03 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided EMD and proof EMD received. Reserve requirement met - Due Diligence Vendor-03/03/2026 <br>Counter-Received asset breakdown. Review is missing title receipt and confirmation EMD cleared. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Lender notes the required reserves needed are 2 months not 6 months. Please see attached FTC Calc - Seller-02/25/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Lender notes the required reserves needed are 2 months not 6 months. Please see attached FTC Calc - Seller-02/25/2026<br>| Resolved-Lender provided EMD and proof EMD received. Reserve requirement met - Due Diligence Vendor-03/03/2026<br>| Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7785091 |
| XXXX | XXXX | 305062513 C A | Closed | FCRE9501 | 2026-02-24 14:54 | 2026-03-03 10:32 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided EMD and receipt of EMD. Per XXXX Matrix DSCR Foreign National, 6 months reserves required not 2 - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached Escrow receipt letter and funds source to the borrower documentation - Seller-02/27/2026 <br> Counter-Received asset breakdown. Review is missing title receipt and confirmation EMD cleared. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Lender notes the required reserves needed are 2 months not 6 months. Please see attached FTC Calc - Seller-02/25/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-13608.6'. Assets are Insufficient. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached Escrow receipt letter and funds source to the borrower documentation - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. Lender notes the required reserves needed are 2 months not 6 months. Please see attached FTC Calc - Seller-02/25/2026<br>| Resolved-Client provided EMD and receipt of EMD. Per XXXX Matrix DSCR Foreign National, 6 months reserves required not 2 - Due Diligence Vendor-03/03/2026 | Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7784027 |
| XXXX | XXXX | 305062513 C A | Closed | FPRO9999 | 2026-02-24 14:14 | 2026-02-27 15:27 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received confirmation fr the attorney that the litigation has been settles and that the insurance policies funded the entire settlement. Also, received plantiffs notice of voluntary dismissal with out prejudice as to defendent XXXX. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the Condo project documents provided shows Condo project is insured, Insurance has Attorneys handling Litigation and attached is the Case dismissal. - Seller-02/25/2026 <br> Open-Provide the following regarding condo litigation: - Reason for lawsuit - It it against HOA or is the HOA filing the lawsuit - Nature of lawsuit ,major or minor - Does it relate to safety, structural or functionality. Not Just subject unit - Amount of lawsuit - Letter from an attorney or HOA stating if lawsuit is covered by insurance. <br> - Due Diligence Vendor-02/25/2026 <br> Open-The condo project has pending litigation. Per - condo questionnaire. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes the Condo project documents provided shows Condo project is insured, Insurance has Attorneys handling Litigation and attached is the Case dismissal. - Seller-02/25/2026<br>| Resolved-Received confirmation fr the attorney that the litigation has been settles and that the insurance policies funded the entire settlement. Also, received plantiffs notice of voluntary dismissal with out prejudice as to defendent XXXX. - Due Diligence Vendor-02/27/2026 | Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7783229 |
| XXXX | XXXX | 305062513 C A | Closed | FCRE1254 | 2026-02-24 13:58 | 2026-02-27 12:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation judgments do not belong to seller and removed. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Disagree, Title has confirmed that the items are not applicable to our borrower. See attached correspondence from title - Seller-02/25/2026 <br>Open-Property Title Issue Missing verification that all judgments & liens against seller are satisfied: Exception 9 - 13 schedule B part 1 of title requirements. - Due Diligence Vendor-02/24/2026 | Ready for Review-Disagree, Title has confirmed that the items are not applicable to our borrower. See attached correspondence from title - Seller-02/25/2026<br>| Resolved-Received confirmation judgments do not belong to seller and removed. - Due Diligence Vendor-02/27/2026<br>| Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7782892 |
| XXXX | XXXX | 305062503 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 | 305062555 D B A | Closed | FCRE6019 | 2026-02-26 13:22 | 2026-03-03 15:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator exception granted. Waiver applied to non-material finding with comp factors. Provided Exception to use I20 documentation - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Please see attached exception used for Final loan approval - Seller-02/26/2026 <br>Open-Borrower Citizenship Documentation Is Missing Borrower is a Full Time Student with a Valid I-20-F1 Visa and this is only allows as Foreign National. - Provide a valid Employment Authorization or a Valid Exception that allows to use form I-20 for Non Perm Residence Alien. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached exception used for Final loan approval - Seller-02/26/2026<br>| Waived-Originator exception granted. Waiver applied to non-material finding with comp factors. Provided Exception to use I20 documentation - Due Diligence Vendor-03/02/2026<br>| Months Reserves exceed minimum required - Reserves Require 0 and Borrower verified 20<br>CLTV is less than guidelines maximum - CLTV 65% and Minimum Required 75%. | Fico is more than 70 points above the minimum<br> 0x30x24<br> LTV is 10% less than the max allowable of 75% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7826935 |
| XXXX | XXXX | 305055914 C A | Closed | FCRE1254 | 2026-02-26 08:19 | 2026-03-12 10:59 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Operating agreement provided. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Counter-Received Op Agreement for XXXX. Missing Operating Agreement for XXXX - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Counter-Received Special Meetings dated XXXX. Please address original finding. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Property Title Issue Borrower signed as a member of XXXX on previous note whom acquired property in XXXX. No operating agreement in file. Provide Operating Agreement reflecting borrower is an owner of company. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Operating agreement provided. - Due Diligence Vendor-03/12/2026<br>| Months Reserves exceed minimum required - Min 3, actual 9.09<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7819712 |
| XXXX | XXXX | 305055914 C A | Closed | FCRE1510 | 2026-02-23 12:28 | 2026-02-27 14:38 | 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-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/27/2026<br>| Months Reserves exceed minimum required - Min 3, actual 9.09<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7758880 |
| XXXX | XXXX | 305062486 D A C | Closed | FCRE5782 | 2026-02-25 16:44 | 2026-02-27 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 695 Required is 660 Borrower has 695 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7810811 |
| XXXX | XXXX | 305062486 D A C | Closed | finding-3540 | 2026-02-23 16:26 | 2026-02-27 08:42 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved------Received copy of singed final CD. Finding Resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. See attached signed CD from XXXX- dated XXXX - Seller-02/26/2026 <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. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. See attached signed CD from XXXX- dated XXXX - Seller-02/26/2026 | Resolved------Received copy of singed final CD. Finding Resolved. - Due Diligence Vendor-02/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51 Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 695 Required is 660 Borrower has 695 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7765070 |
| XXXX | XXXX | 305062548 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305062556 D A | Closed | FCRE1158 | 2026-02-26 08:00 | 2026-03-06 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received confirmation of HOI premium $1291 - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached insurance paid receipt. The insurance binder reflects an annual premium of $1,291.00. The amount collected at closing totaled $1,391.00, which includes the policy premium and a $100.00 one-time service/processing fee charged by the insurance provider.<br>The $1,291.00 premium is the amount used to calculate the subject's PITIA. The additional $100.00 is not part of the insurance premium and does not impact the coverage amount or policy terms.<br>Accordingly, the subject's PITIA calculation remains accurate based on the $1,291.00 premium. Please clear this condition. - Seller-03/05/2026 <br> Counter-Please provide confirmation of the policy premium to verify the subjects PITIA. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Agree. The binder reflects a premium of $1,291.00, while $1,391.00 was collected at closing.<br>The overage will be reconciled and handled by the end investor and servicing department accordingly. No impact to coverage or policy terms. - Seller-02/28/2026 <br> Counter-Binder reflecting policy number and Coverage amount, however the estimated premium on the Binder is $1,291.00 and $1,391.00 was collected at closing. Finding remains. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. This is a purchase transaction for an investment (non-owner occupied) property. Therefore, an HO-6 policy is not applicable.<br>The attached Insurance Binder satisfies the hazard insurance requirement. The binder clearly reflects:<br>Policy Number: XXXX<br>Coverage A (Dwelling): XXXX<br>Coverage B (Other Structures): XXXX<br>Coverage C (Contents): XXXX<br>Coverage D (Fair Rental Value): XXXX<br>Deductible: $2,500<br>Effective Date: XXXX<br>The coverage amounts and policy number are explicitly listed on the insurance binder provided. A separate declaration page is not applicable in this instance, as coverage is evidenced by the binder for this purchase transaction.<br>Kindly clear this finding as the required information has been provided. - Seller-02/26/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide HOI deck page listing coverage amounts and policy number. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached insurance paid receipt. The insurance binder reflects an annual premium of $1,291.00. The amount collected at closing totaled $1,391.00, which includes the policy premium and a $100.00 one-time service/processing fee charged by the insurance provider.<br>The $1,291.00 premium is the amount used to calculate the subject's PITIA. The additional $100.00 is not part of the insurance premium and does not impact the coverage amount or policy terms.<br>Accordingly, the subject's PITIA calculation remains accurate based on the $1,291.00 premium. Please clear this condition. - Seller-03/05/2026 <br> Ready for Review-Agree. The binder reflects a premium of $1,291.00, while $1,391.00 was collected at closing.<br>The overage will be reconciled and handled by the end investor and servicing department accordingly. No impact to coverage or policy terms. - Seller-02/28/2026 <br> Ready for Review-Document Uploaded. This is a purchase transaction for an investment (non-owner occupied) property. Therefore, an HO-6 policy is not applicable.<br>The attached Insurance Binder satisfies the hazard insurance requirement. The binder clearly reflects:<br>Policy Number: XXXX<br>Coverage A (Dwelling): XXXX<br>Coverage B (Other Structures): XXXX<br>Coverage C (Contents): XXXX<br>Coverage D (Fair Rental Value): XXXX<br>Deductible: $2,500<br>Effective Date: XXXX<br>The coverage amounts and policy number are explicitly listed on the insurance binder provided. A separate declaration page is not applicable in this instance, as coverage is evidenced by the binder for this purchase transaction.<br>Kindly clear this finding as the required information has been provided. - Seller-02/26/2026 | Resolved-Received confirmation of HOI premium $1291 - Due Diligence Vendor-03/06/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.212 Required is 0.75 Borrower has 1.212<br> Long term residence - Borrower has rented at primary residence since XXXX with 0X30 rental history. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7819289 |
| XXXX | XXXX | 305062530 C B A | Closed | FCRE1194 | 2026-02-27 12:11 | 2026-03-05 12:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 5% LTV exception, applied to non material finding with comp factors - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see exception allowing the loan to close with an LTV >70% - Seller-03/03/2026 <br>Open-Audited LTV of 71.15% exceeds Guideline LTV of 70% Maximum LTV for FN with DSCR < 1 = 70% - lender did not include the HOA dues in calc. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see exception allowing the loan to close with an LTV >70% - Seller-03/03/2026<br>| Waived-Originator provided a waiver for 5% LTV exception, applied to non material finding with comp factors - Due Diligence Vendor-03/05/2026<br>| Months Reserves exceed minimum required - The Borrower has 8.16 months in reserves; guideline requires 6 months.<br>Long term residence - Long Term Residence = 15+ years | Reserves 3+ months above minimum required<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7847291 |
| XXXX | XXXX | 305062530 C B A | Closed | FCRE0042 | 2026-02-27 08:57 | 2026-03-03 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Client provided Affidavit - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/27/2026 <br>Open-Florida Foreign National Affidavit is Missing or Incomplete. Provide Missing Foreign National Affidavit. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/27/2026<br>| Resolved-Client provided Affidavit - Due Diligence Vendor-03/03/2026<br>| Months Reserves exceed minimum required - The Borrower has 8.16 months in reserves; guideline requires 6 months.<br>Long term residence - Long Term Residence = 15+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7842974 |
| XXXX | XXXX | 305062530 C B A | Closed | FCRE0045 | 2026-02-27 09:23 | 2026-03-03 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Client provided ACH Form - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/27/2026 <br>Open-Foreign National but the ACH form is Missing from file. Provide missing Foreign National ACH. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/27/2026<br>| Resolved-Client provided ACH Form - Due Diligence Vendor-03/03/2026<br>| Months Reserves exceed minimum required - The Borrower has 8.16 months in reserves; guideline requires 6 months.<br>Long term residence - Long Term Residence = 15+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7843452 |
| XXXX | XXXX | 305062532 C A | Closed | finding-3540 | 2026-02-26 14:59 | 2026-03-04 10:58 | 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-03/04/2026 <br> Ready for Review-Document Uploaded. see rebuttal - Seller-03/02/2026 <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. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see rebuttal - Seller-03/02/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 37.65%. Required is 50.49 Borrower has 38.27<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 60%. Required is 75 Borrower has 60 |  | 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 | 7829346 |
| XXXX | XXXX | 305062532 C A | Closed | finding-3634 | 2026-02-26 14:59 | 2026-03-04 10:58 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved----Received COC for increase in fees. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. see coc and cd for change - Seller-03/02/2026 <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 $597.60.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 $597.60 (Loan 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 $597.60, 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-02/26/2026 | Ready for Review-Document Uploaded. see coc and cd for change - Seller-03/02/2026<br>| Resolved----Received COC for increase in fees. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 37.65%. Required is 50.49 Borrower has 38.27<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 60%. Required is 75 Borrower has 60 |  | 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 | 7829350 |
| XXXX | XXXX | 305062453 C A | Closed | FCRE0970 | 2026-02-27 16:34 | 2026-03-24 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Lender provided AVM, CU and LCA for XXXX appraisal dated XXXX and documentation to prove prior loan withdrawn. AVM with acceptable confidence score supports value. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. In response to the finding regarding "in process" SSRs, please note that the referenced prior loan (Loan No. XXXX) has been withdrawn.<br> Documentation confirming the withdrawal of this loan has been provided. As such, there is no active or prior appraisal associated with a closed transaction requiring further SSR documentation.<br> We respectfully request that this finding be cleared based on the provided evidence of loan disposition.<br> - Seller-03/20/2026 <br> Counter-Received "in process" SSRs. Provide complete SSRs. Missing original previous appraisal or disposition confirming loan cancelled. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. The XXXX appraisal dated XXXX was from a previous, cancelled loan and was not used to qualify the borrower for the current transaction. The subject loan is a new application, and a new appraisal was performed and used for qualification purposes.<br> Attached are copies of the XXXX and XXXX SSRs and an AVM that support the value indicated in the new appraisal report. Based on this documentation, the prior appraisal is not applicable to the current loan file. Please clear this finding or escalate to management. <br> - Seller-03/18/2026 <br> Open-Provide the missing appraisal dated XXXX for XXXX pertaining to the XXXX & XXXX UDCP reviews. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. In response to the finding regarding "in process" SSRs, please note that the referenced prior loan (Loan No. XXXX) has been withdrawn.<br> Documentation confirming the withdrawal of this loan has been provided. As such, there is no active or prior appraisal associated with a closed transaction requiring further SSR documentation.<br> We respectfully request that this finding be cleared based on the provided evidence of loan disposition.<br> - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. The XXXX appraisal dated XXXX was from a previous, cancelled loan and was not used to qualify the borrower for the current transaction. The subject loan is a new application, and a new appraisal was performed and used for qualification purposes.<br> Attached are copies of the XXXX and XXXX SSRs and an AVM that support the value indicated in the new appraisal report. Based on this documentation, the prior appraisal is not applicable to the current loan file. Please clear this finding or escalate to management. <br> - Seller-03/18/2026 | Resolved-Lender provided AVM, CU and LCA for XXXX appraisal dated XXXX and documentation to prove prior loan withdrawn. AVM with acceptable confidence score supports value. - Due Diligence Vendor-03/24/2026 | Credit history exceeds minimum required - Borrower has timely credit reporting since 2005.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.08 Required is 50 Borrower has 40.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7852114 |
| XXXX | XXXX | 305062506 C A | Closed | FCRE1510 | 2026-03-02 12:23 | 2026-03-04 11:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Assignment of Leases and Rents Rider fully executed - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see the attached signed Closing Package. The Assignment of Leases and Rents Rider is included on pages 15 through 24 and has been fully executed. This document was previously uploaded to your system.<br> Kindly re-review the file and clear this finding. XXXX<br> - Seller-03/03/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Per DOT Riders, Missing the Assignment of Leases and Rents Rider; Only the Prepayment Rider was provided. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see the attached signed Closing Package. The Assignment of Leases and Rents Rider is included on pages 15 through 24 and has been fully executed. This document was previously uploaded to your system.<br> Kindly re-review the file and clear this finding. XXXX<br> - Seller-03/03/2026 | Resolved-Client provided Assignment of Leases and Rents Rider fully executed - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 75 Borrower has 30.06 Required is 75 Borrower has 30.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7876068 |
| XXXX | XXXX | 305062563 C B A | Closed | FCRE1206 | 2026-03-02 15:32 | 2026-05-21 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists and clear - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing the appraisers XXXX, XXXX and XXXX and the appraisal company XXXX and the real estate agents XXXX and XXXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists and clear - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7880114 |
| XXXX | XXXX | 305062563 C B A | Closed | FCRE1198 | 2026-03-02 13:06 | 2026-03-16 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 5 months reserves< 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with less than 6 months in reserves<br> - Seller-03/13/2026 <br> Counter-Received Lender Request. We do not have an asset worksheet. Please advise assets used in audit are available on asset tab in XXXX. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 2nd request \*\*\* Please provide your Assets worksheet. \*\*\* Correction to acct XXXX this is a typo and should read acct XXXX with updated XXXX Bal $4,281.94 . And yes, that is Correct the 50k + 7k funds were transferred from XXXX acct to the XXXX acct XXXX (see attached) XXXX has Bal $58,943.19. Lender notes the initial account entered are for documenting the original sources for the Funds required to close. <br> FTC XXXX acctXXXX wired $160,000 \*\*\* sourced from XXXX account (see attached XXXX stmt for acct XXXX) plus XXXX acct XXXX $120,627.06 on XXXX<br> FTC XXXX account wired $308,764.70 <br> The $62,250.00 EMD was transferred XXXX from XXXX acct XXXX to acct XXXX (see XXXX $66,800)<br> - Seller-03/10/2026 <br> Counter-Reviewed variances. - XXXX was not located in the loan file. XXXX as of XXXX the balance is $791.13, 5516 as of XXXX the balance is $236.28. (account XXXX with a balance of $4,015.22 was included in the review but not listed below) - Due Diligence Vendor-03/10/2026 <br> Ready for Review-TPR has not provided an assets worksheet to decipher which accounts are not accounted for... please confirm you have review the following accounts XXXX acct XXXX Bal $23,475.92, Acct XXXX $643.33, XXXX acct XXXX Bal $120,364.34, acct XXXX Bal $58,943.19, acct XXXX Bal $5,146.69, XXXX acct XXXX Bal $296,153.93, XXXX acct \*\*\*XXXX Bal $57,990.89, XXXX acct XXXX Bal $1,54.21, acct XXXX Bal $1,830.49 AND XXXX acct XXXX BAL $30,068.43 - Seller-03/06/2026 <br> Counter-Client provided Funds to Close calculator which reflects more assets that we have documented. Total assets in file $535730.61. Finding remains - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see FTC Calc, includes the Required reserves - Seller-03/03/2026 <br> Open-Audited Reserves of 5.11 month(s) are less than Guideline Required Reserves of 6 month(s) 6 months reserves required, verified reserves equal 5.11 months. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with less than 6 months in reserves<br> - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. 2nd request \*\*\* Please provide your Assets worksheet. \*\*\* Correction to acct XXXX this is a typo and should read acct XXXX with updated XXXX Bal $4,281.94 . And yes, that is Correct the 50k + 7k funds were transferred from XXXX acct to the XXXX acct XXXX (see attached) XXXX has Bal $58,943.19. Lender notes the initial account entered are for documenting the original sources for the Funds required to close. <br> FTC XXXX acctXXXX wired $160,000 \*\*\* sourced from XXXX account (see attached XXXX stmt for acct XXXX) plus XXXX acct XXXX $120,627.06 on XXXX<br> FTC XXXX account wired $308,764.70 <br> The $62,250.00 EMD was transferred XXXX from XXXX acct XXXX to acct XXXX (see XXXX $66,800)<br> - Seller-03/10/2026 <br> Ready for Review-TPR has not provided an assets worksheet to decipher which accounts are not accounted for... please confirm you have review the following accounts XXXX acct XXXX Bal $23,475.92, Acct XXXX $643.33, XXXX acct XXXX Bal $120,364.34, acct XXXX Bal $58,943.19, acct XXXX Bal $5,146.69, XXXX acct XXXX Bal $296,153.93, XXXX acct \*\*\*XXXX Bal $57,990.89, XXXX acct XXXX Bal $1,54.21, acct XXXX Bal $1,830.49 AND XXXX acct XXXX BAL $30,068.43 - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see FTC Calc, includes the Required reserves - Seller-03/03/2026 | Waived-Originator provided a waiver for 5 months reserves< 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 | FICO: 725>700 min required<br> Credit History: 0x12 for over 24 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7877141 |
| XXXX | XXXX | 305062563 C B A | Closed | FCRE1254 | 2026-03-02 15:01 | 2026-03-11 08:45 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received proof that the buyer and seller are not the same - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached Title verified seller, Grant deed shows seller name as XXXX and signature matches all seller docs with the provided Secretary of State that shows XXXX proof of who can sign for XXXX. Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br> Counter-Client provided Secretary of State that shows XXXX in good standing and only list Agents not owners. Missing Operating Agreement and proof of owners who can sign for XXXX. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached seller name and signature matches all seller docs with the provided Secretary of State that shows XXXX proof of who can sign for XXXX. Please expedite this to be cleared as soon as possible - Seller-03/06/2026 <br> Counter-Finding remains. Client provided Secretary of State that shows XXXX in good standing. Missing Operating Agreement and proof of who can sign for XXXX - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller docs provided - Seller-03/05/2026 <br> Counter-Client provided Funds to Close calculator. Finding remains - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached Fund to close, reserves included - Seller-03/03/2026 <br> Open-Property Title Issue Per the preliminary title, requirements item 1. a copy of the operating agreement and certificate of good standing is required for the selling business. Confirm individual who signed on behalf of the business is authorized to sign on behalf of the business. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached Title verified seller, Grant deed shows seller name as XXXX and signature matches all seller docs with the provided Secretary of State that shows XXXX proof of who can sign for XXXX. Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached seller name and signature matches all seller docs with the provided Secretary of State that shows XXXX proof of who can sign for XXXX. Please expedite this to be cleared as soon as possible - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller docs provided - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached Fund to close, reserves included - Seller-03/03/2026 | Resolved-Received proof that the buyer and seller are not the same - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7879578 |
| XXXX | XXXX | 305062563 C B A | Closed | FCRE1498 | 2026-03-02 13:02 | 2026-03-10 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-XXXX, owned XXXX-XXXX. Supports rental experience. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Not a valid counter, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the attached documentation proves the investment REO was recently, as of XXXX, as being sold after being managed since XXXX, this does suffice. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Counter-Client provided 2 Property Detail reports. 1. XXXX, this address is borrowers previous address noted on 1003 as rented for 6 years. 2. XXXX, owned XXXX-XXXX. No documentation to validate this was a rental property. Unable to use documents provided to clear finding. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached property profile, reflects investor history for the borrower - Seller-03/03/2026 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Subject is an 8 unit property. per the guidelines section XXXX, multifamily properties asre fior rcperienced investors only. Borrower has no investor experience - Due Diligence Vendor-03/02/2026 | Ready for Review-Not a valid counter, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the attached documentation proves the investment REO was recently, as of XXXX, as being sold after being managed since XXXX, this does suffice. Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached property profile, reflects investor history for the borrower - Seller-03/03/2026 | Resolved-XXXX, owned XXXX-XXXX. Supports rental experience. - Due Diligence Vendor-03/10/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7877006 |
| XXXX | XXXX | 305062515 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305062531 C A | Closed | FCRE1440 | 2026-03-03 10:14 | 2026-03-04 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing housing history for subject property. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received VOM - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 713 which exceeds the minimum of 660 Required is 660 Borrower has 713<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7895763 |
| XXXX | XXXX | 305062529 C B A | Closed | FCRE1197 | 2026-03-03 12:01 | 2026-03-13 12:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver to allow for Fico below minimum allowed, applied to non material finding with comp factors - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026 <br>Open-Audited FICO of 603 is less than Guideline FICO of 620 . Missing lender exception - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026<br>| Waived-Originator provided a waiver to allow for Fico below minimum allowed, applied to non material finding with comp factors - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 46.15 Required is 65 Borrower has 46.15<br>Months Reserves exceed minimum required - 12 months reserves required and the borrower has over 64 months verified. | ltv is more than 10% below max. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7898598 |
| XXXX | XXXX | 305062529 C B A | Closed | FCRE6618 | 2026-03-03 12:10 | 2026-03-11 09:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Client provided 1003 w/ corrections - Due Diligence Vendor-03/11/2026 <br>Ready for Review-The file does not require an additional final 1003 to be signed, the loan closed with all required supporting documentation and no other docs are required. Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br>Counter-Client provided corrected 1003 however it is Not Fully Executed. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026 <br>Open-Application has borrower listed as US Citizen, permanent resident card provided. Provide correction - Due Diligence Vendor-03/03/2026 | Ready for Review-The file does not require an additional final 1003 to be signed, the loan closed with all required supporting documentation and no other docs are required. Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026<br>| Resolved-Client provided 1003 w/ corrections - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 46.15 Required is 65 Borrower has 46.15<br>Months Reserves exceed minimum required - 12 months reserves required and the borrower has over 64 months verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7898849 |
| XXXX | XXXX | 305062536 D A | Closed | FCRE1440 | 2026-03-03 08:23 | 2026-03-05 12:37 | 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-03/05/2026 <br> Ready for Review-Document Uploaded. Per the XXXX DSCR Matrix – Housing History Requirements:<br> • Maximum LTV is 80% (based on applicable FICO tier). Borrower's Fico is 774.<br> • When the borrower has 2x30-day housing lates within the most recent 12 months, and no 60-day lates, the guideline requires a 5% LTV reduction.<br> • The matrix does not indicate ineligibility for 2x30; it requires an LTV adjustment.<br> Loan Details:<br> • Housing history: 2x30 in the most recent 12 months<br> • No 60-day lates<br> • Maximum LTV per matrix: 80%<br> • Required 5% reduction → Adjusted maximum LTV = 75%<br> • Subject loan LTV: 75%<br> The loan complies with the matrix requirements after applying the 5% LTV reduction. The borrower does not have any 60-day housing lates that would render the loan ineligible.<br> Based on the published DSCR matrix, the loan meets housing history eligibility requirements.<br> We respectfully request that this condition be cleared.<br> - Seller-03/03/2026 <br> Open-Housing History Does Not Meet Guideline Requirements VOR reflects 2x30 in the last 12 months for subject property. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Per the XXXX DSCR Matrix – Housing History Requirements:<br> • Maximum LTV is 80% (based on applicable FICO tier). Borrower's Fico is 774.<br> • When the borrower has 2x30-day housing lates within the most recent 12 months, and no 60-day lates, the guideline requires a 5% LTV reduction.<br> • The matrix does not indicate ineligibility for 2x30; it requires an LTV adjustment.<br> Loan Details:<br> • Housing history: 2x30 in the most recent 12 months<br> • No 60-day lates<br> • Maximum LTV per matrix: 80%<br> • Required 5% reduction → Adjusted maximum LTV = 75%<br> • Subject loan LTV: 75%<br> The loan complies with the matrix requirements after applying the 5% LTV reduction. The borrower does not have any 60-day housing lates that would render the loan ineligible.<br> Based on the published DSCR matrix, the loan meets housing history eligibility requirements.<br> We respectfully request that this condition be cleared.<br> - Seller-03/03/2026 | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.178 which exceeds the minimum required of 0.75 Required is 0.75 Borrower has 1.178 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7893215 |
| XXXX | XXXX | 305062536 D A | Closed | FCRE5770 | 2026-03-03 08:23 | 2026-03-05 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received B1 credit report. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached credit report. Please clear this finding. - Seller-03/03/2026 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report for borrower. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached credit report. Please clear this finding. - Seller-03/03/2026<br>| Resolved-Received B1 credit report. - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.178 which exceeds the minimum required of 0.75 Required is 0.75 Borrower has 1.178 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7893216 |
| XXXX | XXXX | 305062468 C A | Closed | FCRE0042 | 2026-03-03 08:43 | 2026-03-12 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Received Foreign Affidavit - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Executed Buyer Affidavit. Please clear this finding. - Seller-03/10/2026 <br> Open-XXXX Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached Executed Buyer Affidavit. Please clear this finding. - Seller-03/10/2026<br>| Resolved-Received Foreign Affidavit - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. The borrower has 19.89 months of verified reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7893651 |
| XXXX | XXXX | 305062468 C A | Closed | FCRE0045 | 2026-03-03 08:43 | 2026-03-12 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached ACH Form which was already uploaded in your system. Please clear this finding. - Seller-03/03/2026 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached ACH Form which was already uploaded in your system. Please clear this finding. - Seller-03/03/2026<br>| Resolved-Received ACH. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. The borrower has 19.89 months of verified reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7893652 |
| XXXX | XXXX | 305062452 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305062447 D A C | Closed | FCRE2393 | 2026-03-03 11:10 | 2026-03-11 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received REO documentation. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. The underwriter's comment indicating that the property located at XXXX was free and clear appears to be in error. The property is secured by a balloon note dated XXXX in the amount of $XXXX. According to the transaction details in the property profile, the note reflects a mortgage term of 1 year beginning on XXXX. A copy of the executed note has been provided in the loan file for reference.<br> Per the terms of the note, no monthly principal or interest payments are required prior to the maturity date. For underwriting purposes, only the applicable property taxes and homeowner's insurance were included and accounted for in the borrower's liabilities.<br> Additionally, documentation confirms the property was sold on XXXX. A copy of the seller's settlement statement reflecting the sale is included in the loan file. The subject loan closed on XXXX, prior to the sale of the property.<br> Based on the provided note and supporting documentation, the liability treatment for this property was appropriate and fully supported in the loan file. Please review and clear up this finding.<br> - Seller-03/09/2026 <br> Open-Property B: Provide HOI statement verifying annual premium and that property is free of liens. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. The underwriter's comment indicating that the property located at XXXX was free and clear appears to be in error. The property is secured by a balloon note dated XXXX in the amount of $XXXX. According to the transaction details in the property profile, the note reflects a mortgage term of 1 year beginning on XXXXX. A copy of the executed note has been provided in the loan file for reference.<br> Per the terms of the note, no monthly principal or interest payments are required prior to the maturity date. For underwriting purposes, only the applicable property taxes and homeowner's insurance were included and accounted for in the borrower's liabilities.<br> Additionally, documentation confirms the property was sold on XXXX. A copy of the seller's settlement statement reflecting the sale is included in the loan file. The subject loan closed on XXXX, prior to the sale of the property.<br> Based on the provided note and supporting documentation, the liability treatment for this property was appropriate and fully supported in the loan file. Please review and clear up this finding.<br> - Seller-03/09/2026 | Resolved-Received REO documentation. - Due Diligence Vendor-03/11/2026<br>| Months Reserves exceed minimum required - 11 months verified exceeds 6 months required.<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.29 Required is 75 Borrower has 59.29 |  | 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 | 7897059 |
| XXXX | XXXX | 305062447 D A C | Closed | FCOM3605 | 2026-03-02 12:11 | 2026-03-06 11:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received Cd's XXXX, XXXX, XXXX, and XXXX. Finding Resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/05/2026 <br> Counter-CD's dated XXXX, XXXX, XXXX, and XXXX are not located in file. Please send in the CD's and any COC's that apply. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. BORROWER'S ARE MARRIED, JOINT TENANTS. CLOSING DATE IS XXXX. CD'S WERE SENT XXXX, XXXX, XXXX, XXXX & ON XXXX FOR A CHANGE IN LOAN PROGRAM - WHAT ELSE IS NEEDED? SCREEN PRINT PROVIDED - Seller-03/04/2026 <br> Open-Missing proof non-borrowing title holder received a CD three days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. BORROWER'S ARE MARRIED, JOINT TENANTS. CLOSING DATE IS XXXX. CD'S WERE SENT XXXX, XXXX, XXXX, XXXX & ON XXXX FOR A CHANGE IN LOAN PROGRAM - WHAT ELSE IS NEEDED? SCREEN PRINT PROVIDED - Seller-03/04/2026 | Resolved-----Received Cd's XXXX, XXXX, XXXX, and XXXX. Finding Resolved. - Due Diligence Vendor-03/06/2026 | Months Reserves exceed minimum required - 11 months verified exceeds 6 months required.<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.29 Required is 75 Borrower has 59.29 |  | 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 | 7875810 |
| XXXX | XXXX | 305062447 D A C | Closed | FCRE8887 | 2026-03-03 11:09 | 2026-03-05 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Client provided fully executed initial 1003 - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached signed initial 1003 for both borrowers. - Seller-03/04/2026 <br>Open-Provide missing, signed, initial 1003 for each borrower. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached signed initial 1003 for both borrowers. - Seller-03/04/2026<br>| Resolved-Client provided fully executed initial 1003 - Due Diligence Vendor-03/05/2026<br>| Months Reserves exceed minimum required - 11 months verified exceeds 6 months required.<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.29 Required is 75 Borrower has 59.29 |  | 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 | 7897048 |
| XXXX | XXXX | 305062447 D A C | Closed | finding-3515 | 2026-03-02 09:36 | 2026-03-05 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-LE UPLOADED - Seller-03/04/2026 <br> Open------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-LE UPLOADED - Seller-03/04/2026<br>| Resolved-----Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-03/05/2026 | Months Reserves exceed minimum required - 11 months verified exceeds 6 months required.<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.29 Required is 75 Borrower has 59.29 |  | 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 | 7870904 |
| XXXX | XXXX | 305062549 D A | Closed | FCRE0044 | 2026-03-11 13:15 | 2026-03-13 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, inquiry made by same credit bureau that the original credit was run through - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. The request for a Letter of Explanation for the credit inquiry dated XXXX is an invalid finding.<br>The inquiry was made by XXXX, which is a miscellaneous reporting agency used for credit reporting purposes and does not represent a new credit tradeline or account.<br>A review of the tradeline payment increase notifications confirms that there are no new accounts, undisclosed debts, or changes to existing tradelines associated with this inquiry.<br>Since this inquiry does not indicate the opening of new credit, a borrower Letter of Explanation is not required.<br>Kindly clear this invalid finding. - Seller-03/12/2026 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquires on XXXX reporting on the UDM - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. The request for a Letter of Explanation for the credit inquiry dated XXXX is an invalid finding.<br>The inquiry was made by XXXX, which is a miscellaneous reporting agency used for credit reporting purposes and does not represent a new credit tradeline or account.<br>A review of the tradeline payment increase notifications confirms that there are no new accounts, undisclosed debts, or changes to existing tradelines associated with this inquiry.<br>Since this inquiry does not indicate the opening of new credit, a borrower Letter of Explanation is not required.<br>Kindly clear this invalid finding. - Seller-03/12/2026 | Resolved-Upon further review, inquiry made by same credit bureau that the original credit was run through - Due Diligence Vendor-03/13/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 8051069 |
| XXXX | XXXX | 305062549 D A | Closed | FCRE5770 | 2026-03-03 13:04 | 2026-03-11 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report for B1 - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached B1 credit report. No issues found. - Seller-03/05/2026 <br>Open-Borrower 1 Credit Report is Missing. CREDIT REPORT NOT IN FILE. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached B1 credit report. No issues found. - Seller-03/05/2026<br>| Resolved-Received credit report for B1 - Due Diligence Vendor-03/09/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 7900399 |
| XXXX | XXXX | 305062549 D A | Closed | FCRE5782 | 2026-03-03 13:04 | 2026-03-11 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached Final XXXX Report. No issues found on UDM. Please clear this finding. - Seller-03/09/2026 <br> Counter-Received UDM for B2 > 10days from closing. Please provide updated - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached Final XXXX report for B1 XXXX and B2 XXXX. No issues found. - Seller-03/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing FROM FILE - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached Final XXXX Report. No issues found on UDM. Please clear this finding. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached Final XXXX report for B1 XXXX and B2 XXXX. No issues found. - Seller-03/05/2026 | Resolved-Received UDM - Due Diligence Vendor-03/11/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 7900400 |
| XXXX | XXXX | 305062549 D A | Closed | FCRE1440 | 2026-03-04 19:18 | 2026-03-11 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease and payment printout. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from XXXX to XXXX from pg 1 to pg 10 of 116 that was uploaded to your system. No issues found. - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from XXXX to XXXX from pg 1 to pg 10 of 116 that was uploaded to your system. No issues found. - Seller-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 12 month VOR required per GL. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from XXXX to XXXX from pg 1 to pg 10 of 116 that was uploaded to your system. No issues found. - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months rent payment history from XXXX to XXXX from pg 1 to pg 10 of 116 that was uploaded to your system. No issues found. - Seller-03/05/2026 | Resolved-Received lease and payment printout. - Due Diligence Vendor-03/09/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 7933035 |
| XXXX | XXXX | 305062549 D A | Closed | FCRE1194 | 2026-03-04 19:37 | 2026-03-09 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received B1 credit report and confirmation escrows not waived. Max LTV 90% with 680 FICO and 12 mos bank statements primary residence. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. The reported LTV of 90% is within guideline limits for this borrower per the XXXX Matrix (purchase with 12-month business bank statements and FICO 680).<br> Additionally, the 1008, Final Closing Disclosure, and XXXX Closing system confirm that taxes and insurance are impounded and escrow is not waived.<br> Therefore, the LTV does not impact escrow requirements, and this finding is not applicable. Please clear this finding.<br> - Seller-03/05/2026 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 80% Max LTV < = 80% for escrow waiver. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. The reported LTV of 90% is within guideline limits for this borrower per the XXXX Matrix (purchase with 12-month business bank statements and FICO 680).<br> Additionally, the 1008, Final Closing Disclosure, and XXXX Closing system confirm that taxes and insurance are impounded and escrow is not waived.<br> Therefore, the LTV does not impact escrow requirements, and this finding is not applicable. Please clear this finding.<br> - Seller-03/05/2026 | Resolved-Received B1 credit report and confirmation escrows not waived. Max LTV 90% with 680 FICO and 12 mos bank statements primary residence. - Due Diligence Vendor-03/09/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 7933213 |
| XXXX | XXXX | 305062549 D A | Closed | FCOM1266 | 2026-02-27 15:09 | 2026-03-09 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/05/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/05/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/09/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  | 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 | 7850848 |
| XXXX | XXXX | 305062549 D A | Closed | finding-3352 | 2026-02-27 16:59 | 2026-03-06 10:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-HPML IS ALLOWED- THIS HAS AN APPRAISAL AND THE IMPOUNDS ARE WAIVED - Seller-03/05/2026 <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 Material as escrow impounds were waived for taxes and insurance (Full appraisal in file). - Due Diligence Vendor-03/02/2026 | Ready for Review-HPML IS ALLOWED- THIS HAS AN APPRAISAL AND THE IMPOUNDS ARE WAIVED - Seller-03/05/2026<br>| Resolved-Subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/06/2026<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for 3 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 46.73 |  |  | 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 | 7852447 |
| XXXX | XXXX | 305062553 C A | Closed | FCRE0105 | 2026-03-04 07:29 | 2026-03-11 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, the condo questionnaire is sufficient. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. counter is not valid as stated on the questionnaire inspection was recently completed XXXX (it is not missing) and Lender notes per the attached highlighted item 3 on the Questionnaire confirms No health and safety concerns need to be addressed, the structural report is not required. No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br> Counter-Subject is missing required milestone inspection as required by XXXX Senate Bill No.<br> 40. Subject Cert. of Occ was on or before XXXX, has a building <br> with 3 or more stories and is :<br> 1. 30 years of age or <br> 2. 25 years of age and if located within 3 miles of coastline<br> Structural Report is required - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Lender notes per the attached highlighted item 3 on the Questionnaire confirms No health and safety concern need to be addressed, the structural report is not required. No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-03/04/2026 <br> Open-The file does not contain the required structural engineer report per state law. The condo questionnaire indicates an inspection was completed in XXXX and references repairs that are required; however, the report is not in file. - Due Diligence Vendor-03/04/2026 | Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. counter is not valid as stated on the questionnaire inspection was recently completed XXXX (it is not missing) and Lender notes per the attached highlighted item 3 on the Questionnaire confirms No health and safety concerns need to be addressed, the structural report is not required. No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. Lender notes per the attached highlighted item 3 on the Questionnaire confirms No health and safety concern need to be addressed, the structural report is not required. No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-03/04/2026 | Resolved-Upon further review, the condo questionnaire is sufficient. - Due Diligence Vendor-03/11/2026<br>| Long term residence - Per the loan application, the borrower has resided in the primary residence for over 6 years.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. The borrower has 8.12 months of verified reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7915447 |
| XXXX | XXXX | 305071137 C A | Closed | FCRE2244 | 2026-03-03 12:54 | 2026-03-06 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Appraisal completion provided. Door knob replaced items repaired - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached 1004D; the last 2 photos are of the fixed doorknob, as such, the issue was mitigated. - Seller-03/04/2026 <br>Open-Property Issues are identified for the property Appraiser mentions physical deficiencies to subject. He made report as-is but called out several repairs. 1004D in file with repairs but a doorknob fell off at time of inspection and he wasn't able to enter/exit. 1004d states repairs were completed, however the repairs completion box is checked "No". Please provide updated 1004D with repairs completion box checked yes and commentary added to confirm the broken doorknob does not create a safety issue or provide evidence (photo included) that the rear doorknob has been fixed. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached 1004D; the last 2 photos are of the fixed doorknob, as such, the issue was mitigated. - Seller-03/04/2026<br>| Resolved-Appraisal completion provided. Door knob replaced items repaired - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 759<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.034 Required is 0.75 Borrower has 1.034 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7900156 |
| XXXX | XXXX | 305062455 D A C | Closed | FCRE0179 | 2026-03-03 13:15 | 2026-03-06 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Client provided 1008 with UW Attestation - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008. The project has been reviewed under Limited Condo Review guidelines and has been determined to be warrantable.<br>The following factors support warrantability:<br>Owner-occupancy is 72% (37 of 51 total units), meeting guideline requirements.<br>No condotel characteristics identified.<br>No pending or active litigation.<br>No ineligible project characteristics present.<br>Project remains under HOA control.<br>No wood-bearing structure concerns noted.<br>Based on the above, the project meets warrantability requirements for a Limited Condo Review.<br>Please clear this condition. - Seller-03/05/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Required UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008. The project has been reviewed under Limited Condo Review guidelines and has been determined to be warrantable.<br>The following factors support warrantability:<br>Owner-occupancy is 72% (37 of 51 total units), meeting guideline requirements.<br>No condotel characteristics identified.<br>No pending or active litigation.<br>No ineligible project characteristics present.<br>Project remains under HOA control.<br>No wood-bearing structure concerns noted.<br>Based on the above, the project meets warrantability requirements for a Limited Condo Review.<br>Please clear this condition. - Seller-03/05/2026 | Resolved-Client provided 1008 with UW Attestation - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.04 |  | 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 | 7900691 |
| XXXX | XXXX | 305062455 D A C | Closed | finding-651 | 2026-03-02 13:12 | 2026-03-06 12:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. PLEASE RERUN WITH THE ATTACHED PCCD AND ADVISE - Seller-03/05/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $956,035.99. The disclosed finance charge of $955,835.99 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $956,035.99. The disclosed finance charge of $955,835.99 is not considered accurate because it is understated by more than $100 at $200.00. Provide evidence of refund or principal reduction of $200.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. PLEASE RERUN WITH THE ATTACHED PCCD AND ADVISE - Seller-03/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.04 |  | 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 | 7877252 |
| XXXX | XXXX | 305062455 D A C | Closed | FCOM1266 | 2026-03-02 10:09 | 2026-03-06 11:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. uploaded - Seller-03/05/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/05/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.04 |  | 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 | 7871893 |
| XXXX | XXXX | 305062462 C A | Closed | FCRE8701 | 2026-03-05 11:06 | 2026-03-09 11:52 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Client provided The Business Entity Formation Document, Operating Agreement, SOS, EIN - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2026 <br> Open-The Business Entity Formation Document is Missing. Missing all business entity documents. Additional findings may apply. <br> The following Entity documentation must be provided: <br> • Entity Articles of Organization, Partnership, and Operating Agreements (if applicable) <br> • Employer Identification Number (EIN) Verification Form <br> • Certificate of Good Standing <br> • Certificate of Authorization for the person executing all documents on behalf of the Entity <br> • Entity documentation required for both the state of entity formation and state of the subject property, when they differ.<br> - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/05/2026<br>| Resolved-Client provided The Business Entity Formation Document, Operating Agreement, SOS, EIN - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Max 75%; LTV is 70%<br>Months Reserves exceed minimum required - 12.79 mos reserves; 6 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7944884 |
| XXXX | XXXX | 305062483 C A | Closed | FCRE0184 | 2026-03-03 17:26 | 2026-03-06 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached DSCR - Borrower Certification of Business Purpose. No issues found. - Seller-03/05/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing Cash-out letter. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached DSCR - Borrower Certification of Business Purpose. No issues found. - Seller-03/05/2026<br>| Resolved-Upon further review, cash out letter is not required - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - 77 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7907921 |
| XXXX | XXXX | 305062483 C A | Closed | FCRE0045 | 2026-03-03 17:43 | 2026-03-06 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached ACH Form. No issues found. - Seller-03/05/2026 <br>Open-Foreign National but the ACH form is Missing from file. Provide missing Foreign National ACH. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached ACH Form. No issues found. - Seller-03/05/2026<br>| Resolved-Received ACH - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - 77 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7908132 |
| XXXX | XXXX | 305062557 D B A | Closed | finding-3625 | 2026-03-03 10:34 | 2026-03-11 09:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/10/2026 <br> Counter----Received PCCD XXXX. The Credit report in Section B is still being paid to the Broker. Finding Remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/05/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Second Appraisal Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/05/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742 Required is 720 Borrower has 742<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.73 Required is 80 Borrower has 73.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.64 Required is 50 Borrower has 33.64 |  | 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 | 7896264 |
| XXXX | XXXX | 305062557 D B A | Closed | FCOM1266 | 2026-03-02 15:02 | 2026-03-09 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached Homeownership Counseling Disclosure and LOS disclosure tracking, Application was on XXXX - Seller-03/05/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see attached Homeownership Counseling Disclosure and LOS disclosure tracking, Application was on XXXX - Seller-03/05/2026 | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742 Required is 720 Borrower has 742<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.73 Required is 80 Borrower has 73.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.64 Required is 50 Borrower has 33.64 |  | 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 | 7879593 |
| XXXX | XXXX | 305062557 D B A | Closed | FCOM1353 | 2026-03-02 15:02 | 2026-03-03 11:29 | 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-03/02/2026 |  | 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'). 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-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 742 Required is 720 Borrower has 742<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.73 Required is 80 Borrower has 73.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.64 Required is 50 Borrower has 33.64 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7879595 |
| XXXX | XXXX | 305071156 D A | Closed | FCRE1157 | 2026-03-03 16:43 | 2026-03-10 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Upon further review, master policy has wall-in coverage. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-When the subject property is an Investment Property, the HOI on the 1008 is for the borrower's primary residence, not the subject. The subject is a PUD with monthly $210 HOA dues which include insurance. - Seller-03/09/2026 <br>Open-Missing Hazard Insurance Policy Missing HOI insurance for subject. Property is considered a PUD - only HOA insurance provided. 1008 shows HOI monthly premium which was not escrowed. - Due Diligence Vendor-03/03/2026 | Ready for Review-When the subject property is an Investment Property, the HOI on the 1008 is for the borrower's primary residence, not the subject. The subject is a PUD with monthly $210 HOA dues which include insurance. - Seller-03/09/2026<br>| Resolved-Upon further review, master policy has wall-in coverage. - Due Diligence Vendor-03/10/2026<br>| Long term residence - Borrower has owned subject property since XXXX - (27 months)<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7906357 |
| XXXX | XXXX | 305071156 D A | Closed | FCRE1206 | 2026-03-04 07:04 | 2026-03-10 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/09/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Title Company, Settlement Company, Title Agent and Settlement agent to be verified through OFAC - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/09/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/10/2026<br>| Long term residence - Borrower has owned subject property since XXXX - (27 months)<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7913987 |
| XXXX | XXXX | 305071156 D A | Closed | FCRE1440 | 2026-03-04 07:02 | 2026-03-10 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Need most recent 12 month mortgage history with subject property mortgagee. Lien does not appear on the credit report. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/09/2026<br>| Resolved-Received Credit Supplement. - Due Diligence Vendor-03/10/2026<br>| Long term residence - Borrower has owned subject property since XXXX - (27 months)<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7913968 |
| XXXX | XXXX | 305071155 D A | Closed | FCRE0184 | 2026-03-03 18:42 | 2026-03-09 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached DSCR Borrower Certification of Business Purpose. Please clear this finding. - Seller-03/06/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached DSCR Borrower Certification of Business Purpose. Please clear this finding. - Seller-03/06/2026<br>| Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 40.1 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7909039 |
| XXXX | XXXX | 305071155 D A | Closed | FCRE0108 | 2026-03-03 18:30 | 2026-03-09 12:40 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Policy w/sufficient coverage. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please note that the Master Insurance Policy provided is a commercial insurance policy covering three buildings, including the subject property at XXXX, as the policy lists the address range XXXX.<br> Additionally, the policy includes Fidelity Coverage for Directors & Officers and Employees.<br> For reference, the Master Insurance Policy has already been uploaded to your system. Please review the attached policy, which documents the coverage referenced above. Please clear this finding.<br> - Seller-03/06/2026 <br> Open-Fidelity Coverage not met. Condo Master insurance policy is missing. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please note that the Master Insurance Policy provided is a commercial insurance policy covering three buildings, including the subject property at XXXX, as the policy lists the address range XXXX.<br> Additionally, the policy includes Fidelity Coverage for Directors & Officers and Employees.<br> For reference, the Master Insurance Policy has already been uploaded to your system. Please review the attached policy, which documents the coverage referenced above. Please clear this finding.<br> - Seller-03/06/2026 | Resolved-Received Policy w/sufficient coverage. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 40.1 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7908925 |
| XXXX | XXXX | 305071155 D A | Closed | FCRE1157 | 2026-03-03 18:30 | 2026-03-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Policy - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached HO6 insurance. Please clear this finding. - Seller-03/06/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached HO6 insurance. Please clear this finding. - Seller-03/06/2026<br>| Resolved-Received Policy - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 40.1 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7908926 |
| XXXX | XXXX | 305071155 D A | Closed | FCRE1173 | 2026-03-03 18:30 | 2026-03-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master Policy - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Please note that the Master Insurance Policy provided is a commercial insurance policy covering three buildings, including the subject property at XXXX, as the policy lists the address range XXXX. Additionally, the policy includes Fidelity Coverage for Directors & Officers and Employees. For reference, the Master Insurance Policy has already been uploaded to your system. Please review the attached policy, which documents the coverage referenced above. Please clear this finding. - Seller-03/06/2026 <br> Open-Missing Condo Master Insurance Policy. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Document Uploaded. Please note that the Master Insurance Policy provided is a commercial insurance policy covering three buildings, including the subject property at XXXX, as the policy lists the address range XXXX. Additionally, the policy includes Fidelity Coverage for Directors & Officers and Employees. For reference, the Master Insurance Policy has already been uploaded to your system. Please review the attached policy, which documents the coverage referenced above. Please clear this finding. - Seller-03/06/2026 | Resolved-Received Master Policy - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 40.1 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7908927 |
| XXXX | XXXX | 305071155 D A | Closed | FCRE1175 | 2026-03-03 18:30 | 2026-03-09 12:40 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Received Master Policy - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Please note that an HO-6 policy is a unit owner's policy issued to the individual owner of the subject property, not to the Homeowners Association. Therefore, the Named Insured on the HO-6 policy will not match the HOA name.<br>The HOA is insured under the Master Insurance Policy, while the HO-6 policy provides coverage for the individual unit owner.<br>Based on this structure, the finding appears to be invalid. Please review and clear this condition or escalate to management. - Seller-03/06/2026 <br>Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Policy is missing. - Due Diligence Vendor-03/03/2026 | Ready for Review-Please note that an HO-6 policy is a unit owner's policy issued to the individual owner of the subject property, not to the Homeowners Association. Therefore, the Named Insured on the HO-6 policy will not match the HOA name.<br>The HOA is insured under the Master Insurance Policy, while the HO-6 policy provides coverage for the individual unit owner.<br>Based on this structure, the finding appears to be invalid. Please review and clear this condition or escalate to management. - Seller-03/06/2026<br>| Resolved-Received Master Policy - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 40.1 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7908928 |
| XXXX | XXXX | 305071154 D B A | Closed | FCRE1180 | 2026-03-06 08:21 | 2026-04-06 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-PUD Master policy includes replacement cost. HO-6 covers interior. - Due Diligence Vendor-04/06/2026 <br>Counter-Evidence or Walls-In coverage was not located in the loan file. Please provide. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-The subject property is covered under an HO-6 (condominium unit owner) insurance policy. Under this type of coverage, the policy insures only the interior ("walls-in") portion of the unit, while the building structure is covered by the HOA's master insurance policy.<br>As such, a Replacement Cost Estimator (RCE) is not applicable or required for an HO-6 policy, since the full structure replacement cost is not the responsibility of the unit owner.<br>The provided policy appropriately reflects HO-6 coverage, and therefore the request for an RCE or full replacement cost confirmation is not applicable to this file.<br>We respectfully request that this condition be cleared. Please clear this invalid finding. - Seller-04/01/2026 <br>Counter-Received policy. Missing RCE or confirmation of replacement cost coverage. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a DSCR below 1 - Seller-03/27/2026 <br>Counter-Received HOI policy for subject. 1. Missing replacement cost or RCE for coverage. 2. DSCR <1.00. DSCR is now 0.935. DSCR must be 1.00 or higher for IO. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached HO6 policy. Please clear this finding. - Seller-03/23/2026 <br>Open-HO-6 Insurance Policy is Missing Borrowers must carry H06 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins, and any improvements made to the unit. - Due Diligence Vendor-03/06/2026 | Ready for Review-The subject property is covered under an HO-6 (condominium unit owner) insurance policy. Under this type of coverage, the policy insures only the interior ("walls-in") portion of the unit, while the building structure is covered by the HOA's master insurance policy.<br>As such, a Replacement Cost Estimator (RCE) is not applicable or required for an HO-6 policy, since the full structure replacement cost is not the responsibility of the unit owner.<br>The provided policy appropriately reflects HO-6 coverage, and therefore the request for an RCE or full replacement cost confirmation is not applicable to this file.<br>We respectfully request that this condition be cleared. Please clear this invalid finding. - Seller-04/01/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a DSCR below 1 - Seller-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached HO6 policy. Please clear this finding. - Seller-03/23/2026<br>| Resolved-PUD Master policy includes replacement cost. HO-6 covers interior. - Due Diligence Vendor-04/06/2026<br>| Months Reserves exceed minimum required - 3 required, 39 available<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7968784 |
| XXXX | XXXX | 305071154 D B A | Closed | FCRE1232 | 2026-03-06 08:22 | 2026-03-31 15:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator provided a waiver DSCR .0935 <1.00 required, applied to non material finding with comp factors - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Per the DSCR Guide, Section 3, DSCR is calculated as Gross Rental Income ÷ Qualifying Monthly Mortgage Payment (PITIA) or (ITIA for interest-only loans). For interest-only loans, the qualifying payment is based on the interest-only payment plus taxes, insurance, and HOA dues.<br>In this case:<br>Gross Rental Income: XXXX<br>Qualifying PITIA: XXXX<br>The calculated DSCR is 0.99686.<br>Per the guideline, rounding up of the DSCR value is permissible from the 3rd decimal place. Therefore, the DSCR rounds to 1.00, which meets the minimum DSCR requirement of 1.00 for interest-only loans.<br>Based on the guideline allowance for rounding, please review and clear this finding as the DSCR requirement is met. - Seller-03/06/2026 <br> Open-The Calculated DSCR of '0.997' is less than the minimum DSCR per lender guidelines of '1'. Minimum 1 required for interest only - Due Diligence Vendor-03/06/2026 | Ready for Review-Per the DSCR Guide, Section 3, DSCR is calculated as Gross Rental Income ÷ Qualifying Monthly Mortgage Payment (PITIA) or (ITIA for interest-only loans). For interest-only loans, the qualifying payment is based on the interest-only payment plus taxes, insurance, and HOA dues.<br>In this case:<br>Gross Rental Income: XXXX<br>Qualifying PITIA: XXXX<br>The calculated DSCR is 0.99686.<br>Per the guideline, rounding up of the DSCR value is permissible from the 3rd decimal place. Therefore, the DSCR rounds to 1.00, which meets the minimum DSCR requirement of 1.00 for interest-only loans.<br>Based on the guideline allowance for rounding, please review and clear this finding as the DSCR requirement is met. - Seller-03/06/2026 | Waived-Originator provided a waiver DSCR .0935 <1.00 required, applied to non material finding with comp factors - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - 3 required, 39 available<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 802 | FICO is 20 points above min above min required<br> Reserves: 3+ months above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 7968812 |
| XXXX | XXXX | 305071154 D B A | Closed | FCRE1174 | 2026-03-06 08:20 | 2026-03-25 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received individual policy reflecting dwelling coverage. Master insurance for common areas only. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached HO6 for XXXX. - Seller-03/23/2026 <br> Counter-Finding remains. WHO IS AN INSURED (Section II) is amended to include as an insured each individual unit owner of the insured<br> condominium, but only with respect to liability arising out of the ownership, maintenance or repair of that portion of<br> the premises which is not reserved for that unit owner's exclusive use or occupancy. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-The subject property XXXX is an attached PUD, not a condominium unit. As such, the walls-in coverage requirement applicable to condo master policies does not apply.<br>Please review and clear this condition. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Master Policy Endorsement which shows additional insured - condo unit owners. Please clear this finding. - Seller-03/06/2026 <br> Open-Condo Master Insurance Policy Partially Provided Missing evidence that master policy covers walls in coverage - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached HO6 for XXXX. - Seller-03/23/2026 <br> Ready for Review-The subject property XXXX is an attached PUD, not a condominium unit. As such, the walls-in coverage requirement applicable to condo master policies does not apply.<br>Please review and clear this condition. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Master Policy Endorsement which shows additional insured - condo unit owners. Please clear this finding. - Seller-03/06/2026 | Resolved-Received individual policy reflecting dwelling coverage. Master insurance for common areas only. - Due Diligence Vendor-03/25/2026<br>| Months Reserves exceed minimum required - 3 required, 39 available<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7968780 |
| XXXX | XXXX | 305071154 D B A | Closed | FCRE1194 | 2026-03-03 22:07 | 2026-03-10 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Client rounded up DSCR from .997 to 1.00 which in doing so allowed for 80% LTV - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. The audited LTV of 76.52% was flagged as exceeding the 75% maximum for DSCR < 1.00.<br>Per the XXXX DSCR Guidelines, for Rate/Term refinances, if the borrower's FICO is 760+, the maximum LTV is 80%. The borrower's FICO is 802, which qualifies for this higher LTV.<br>Additionally, the calculated DSCR is 1.00, not below 1.00. Therefore, the 75% LTV limit for DSCR < 1.00 does not apply. The current 76.52% LTV is within guideline limits.<br>Please review and clear this finding. - Seller-03/06/2026 <br> Open-Audited LTV of 76.52% exceeds Guideline LTV of 75% 75 max is permitted for DSCR under 1.00 - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. The audited LTV of 76.52% was flagged as exceeding the 75% maximum for DSCR < 1.00.<br>Per the XXXX DSCR Guidelines, for Rate/Term refinances, if the borrower's FICO is 760+, the maximum LTV is 80%. The borrower's FICO is 802, which qualifies for this higher LTV.<br>Additionally, the calculated DSCR is 1.00, not below 1.00. Therefore, the 75% LTV limit for DSCR < 1.00 does not apply. The current 76.52% LTV is within guideline limits.<br>Please review and clear this finding. - Seller-03/06/2026 | Resolved-Client rounded up DSCR from .997 to 1.00 which in doing so allowed for 80% LTV - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 3 required, 39 available<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7910596 |
| XXXX | XXXX | 305071154 D B A | Closed | FCRE1156 | 2026-03-03 21:42 | 2026-03-10 12:20 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Client provided Master policy, it does reflect subject property address - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. The Master Insurance Policy provided is a commercial policy covering three addresses, including XXXX.<br>The Named Insured on a master policy will be the HOA, not the individual borrower(s). This is standard for condo/master policies, and the borrower's address is included within the covered property range.<br>Please review and clear this finding. - Seller-03/06/2026 <br> Open-Named Insured does not match Borrower(s) Name(s) Master policy does not show borrower name or address. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. The Master Insurance Policy provided is a commercial policy covering three addresses, including XXXX.<br>The Named Insured on a master policy will be the HOA, not the individual borrower(s). This is standard for condo/master policies, and the borrower's address is included within the covered property range.<br>Please review and clear this finding. - Seller-03/06/2026 | Resolved-Client provided Master policy, it does reflect subject property address - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 3 required, 39 available<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 802 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7910379 |
| XXXX | XXXX | 305062474 C A | Closed | FCRE0045 | 2026-03-04 15:03 | 2026-03-10 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached ACH form that was already uploaded to your system. - Seller-03/06/2026 <br>Open-Foreign National but the ACH form is Missing from file. ACH form is Missing from file. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached ACH form that was already uploaded to your system. - Seller-03/06/2026<br>| Resolved-Received ACH form - Due Diligence Vendor-03/10/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.01 Required is 0.75 Borrower has 1.01<br>LTV is less than guideline maximum - Required is 65 Borrower has 50 Required is 65 Borrower has 50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7927836 |
| XXXX | XXXX | 305052001 D A C | Closed | FPRO1242 | 2026-03-05 14:11 | 2026-03-30 08:46 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-2nd provided appraisal is accurate - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please read page two Addendum to the appraisal report, already provided, which has corrected owner, per appraiser comment last page (50) shows correct owner XXXX and all public records match XXXX- Seller-03/26/2026 <br> Counter-Received request to allow as non-material. Appraisal to reflect owner of record. Finding remains. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-We agree that the 1st appraisal shows the Land owner as the owner of record. Please note that Title reflects XXXX as the legal owner of the land, leasing the property to our borrower. however, we note that item 16 evidences the borrower as the legal Lessee since XXXX. Although the appraisal should list the borrower, it is not Material since we have a secondary Appraisal listing the borrower as the current owner of record for the subject property. Can this please be cleared as the incorrect name is only a Typo and not material to the overall transaction? - Seller-03/23/2026 <br> Counter-Received appraisal 1. Owner of record does not match Preliminary title report. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026 <br> Open-Appraisal is Missing Primary appraisal completed XXXX by appraiser XXXX, is missing from the loan file to support the value of XXXX. Subject to additional conditions. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please read page two Addendum to the appraisal report, already provided, which has corrected owner, per appraiser comment last page (50) shows correct owner XXXX and all public records match XXXX - Seller-03/26/2026 <br> Ready for Review-We agree that the 1st appraisal shows the Land owner as the owner of record. Please note that Title reflects XXXX as the legal owner of the land, leasing the property to our borrower. however, we note that item 16 evidences the borrower as the legal Lessee since XXXX. Although the appraisal should list the borrower, it is not Material since we have a secondary Appraisal listing the borrower as the current owner of record for the subject property. Can this please be cleared as the incorrect name is only a Typo and not material to the overall transaction? - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026 | Resolved-2nd provided appraisal is accurate - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  | 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 | 7950599 |
| XXXX | XXXX | 305052001 D A C | Closed | FCRE1316 | 2026-03-05 14:48 | 2026-03-25 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter confirming ownership. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached CPA Letter - Seller-03/23/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verification of employment with the borrower's CPA/ Tax Preparer and Business Narrative. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached CPA Letter - Seller-03/23/2026<br>| Resolved-Received CPA letter confirming ownership. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  | 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 | 7951378 |
| XXXX | XXXX | 305052001 D A C | Closed | finding-3622 | 2026-03-05 09:59 | 2026-03-11 08:58 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Received evidence of revised/final CD. finding resolved. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. SYSTEM EVIDENCE PROVIDED - Seller-03/10/2026 <br>Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. -----PC Cd was issued on the same date as the Final Cd. Please provide evidence that the PC Cd was provided after closing date. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. SYSTEM EVIDENCE PROVIDED - Seller-03/10/2026<br>| Resolved-Received evidence of revised/final CD. finding resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  | 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 | 7942802 |
| XXXX | XXXX | 305052001 D A C | Closed | finding-651 | 2026-03-11 08:44 | 2026-03-11 08:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Fixed PPFC. Finding resolved. - Due Diligence Vendor-03/11/2026 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $3,505,786.92. The disclosed finance charge of $3,493,795.79 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-03/11/2026 |  | Resolved-Fixed PPFC. Finding resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8042620 |
| XXXX | XXXX | 305052001 D A C | Closed | finding-2504 | 2026-03-11 08:44 | 2026-03-11 08:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Fixed PPFC. Finding resolved. - Due Diligence Vendor-03/11/2026 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $3,505,786.92. The disclosed finance charge of $3,493,795.79 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-03/11/2026 |  | Resolved-Fixed PPFC. Finding resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8042621 |
| XXXX | XXXX | 305052001 D A C | Closed | finding-3646 | 2026-03-05 09:59 | 2026-03-11 08:45 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Received evidence of revised/final CD. finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Disagree- only one CD went to the borrower on the XXXX. See system evidence - Seller-03/10/2026 <br> Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. -----PC Cd was issued on the same date as the Final Cd. Please provide evidence that the PC Cd was provided after closing date. - Due Diligence Vendor-03/05/2026 | Ready for Review-Disagree- only one CD went to the borrower on the XXXX. See system evidence - Seller-03/10/2026 | Resolved-Received evidence of revised/final CD. finding resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7942801 |
| XXXX | XXXX | 305052001 D A C | Closed | FCRE7497 | 2026-03-05 15:28 | 2026-03-10 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA and HOI documentation. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached the requested information for the following properties: 3e, REO XXXX HOA $90, 3h, REO XXXX HOA $470.33, 3u REO XXXX NO HOA\*\*\* this is a SFR &, 3v REO XXXX No HOA \*\*\* This is a SFR and , 3o REO XXXX missing the HOI $3,090 / $257.50<br> - Seller-03/09/2026 <br> Open-Missing the following information for these properties: 3e, 3h, 3u & 3v missing the HOA and 3o missing the HOI. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached the requested information for the following properties: 3e, REO XXXX HOA $90, 3h, REO XXXX HOA $470.33, 3u REO XXXX NO HOA\*\*\* this is a SFR &, 3v REO XXXX No HOA \*\*\* This is a SFR and , 3o REO XXXX missing the HOI $3,090 / $257.50<br> - Seller-03/09/2026 | Resolved-Received HOA and HOI documentation. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  | 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 | 7952235 |
| XXXX | XXXX | 305052001 D A C | Closed | FCRE1148 | 2026-03-05 13:59 | 2026-03-10 11:11 | 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-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached Prelim - Seller-03/09/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing proof of sufficient Title Coverage. The amount is less than the total amount of all subject lien(s). - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached Prelim - Seller-03/09/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.56 |  | 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 | 7950339 |
| XXXX | XXXX | 305062512 C B A | Closed | FCRE1440 | 2026-03-05 14:36 | 2026-03-12 08:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing Lender Exception Approval to allow a borrower living rent free on an investment property purchase. (Exception approval is listed on 1008 notes, but missing from file). - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026<br>| Waived-Originator exception applied to non-material finding with comp factors. - Due Diligence Vendor-03/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.04 Required is 50 Borrower has 42.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 | 6 months reserves above min. FICO 50 points above min. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7951088 |
| XXXX | XXXX | 305062496 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305077647 D A C | Closed | FCRE8887 | 2026-03-05 14:52 | 2026-03-10 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. file was duplicated and printed original 1003 date; however, borrower signature is dated XXXX - Seller-03/09/2026 <br> Open-Need clarification as to the actual date of 1003. 1003 shows application taken on XXXX, but all documents in file start at XXXX. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. file was duplicated and printed original 1003 date; however, borrower signature is dated XXXX - Seller-03/09/2026 | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7951424 |
| XXXX | XXXX | 305077647 D A C | Closed | finding-3838 | 2026-03-05 13:41 | 2026-03-10 11:37 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. See disclosure tracking attached. - Seller-03/09/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater 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)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the 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.PLEASE 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.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ----- WRITTEN LIST OF SERVICE PROVIDERS in file is dated XXXX and not provided to borrower within three days of application date of XXXX. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. See disclosure tracking attached. - Seller-03/09/2026<br>| Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7950004 |
| XXXX | XXXX | 305077647 D A C | Closed | finding-3634 | 2026-03-05 13:41 | 2026-03-10 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. see compliance report attached - Seller-03/09/2026 <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 $14,679.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $14,679.50 Points - Loan Discount Fee, Processing Fee, Underwriting Fee, Appraisal Fee, Appraisal Review Fee, Credit Report Fee, & 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 $14,679.50, 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-03/05/2026 | Ready for Review-Document Uploaded. see compliance report attached - Seller-03/09/2026<br>| Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7950005 |
| XXXX | XXXX | 305077647 D A C | Closed | finding-3635 | 2026-03-05 13:41 | 2026-03-10 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. see attached compliance report - Seller-03/09/2026 <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% ($8,896.00) exceed the comparable charges ($0.00) 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 Abstract / Title Search Fee, Lender's Title Insurance Policy, Settlement or Closing Fee & Title Endorsement Fee increased by $8,896.00 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 $8,896.00, 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-03/05/2026 | Ready for Review-Document Uploaded. see attached compliance report - Seller-03/09/2026<br>| Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7950008 |
| XXXX | XXXX | 305077647 D A C | Closed | finding-3515 | 2026-03-05 13:41 | 2026-03-10 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. see disclosure tracking attached - Seller-03/09/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: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.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see disclosure tracking attached - Seller-03/09/2026<br>| Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7950009 |
| XXXX | XXXX | 305077647 D A C | Closed | finding-3367 | 2026-03-05 13:41 | 2026-03-10 11:37 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. See disclosure tracking attached. - Seller-03/09/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: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.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- Homeownership Counseling List in file is dated XXXX and not provided to borrower within three days of application date of XXXX. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. See disclosure tracking attached. - Seller-03/09/2026<br>| Resolved-Received explanation for Initial 1003 date. Finding resolved. - Due Diligence Vendor-03/10/2026<br>| Months Reserves exceed minimum required - 15 months > 9 required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.76 |  | 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 | 7950003 |
| XXXX | XXXX | 305062464 D A | Closed | FCRE1316 | 2026-03-06 09:31 | 2026-03-11 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided CPA letter dated XXXX and per GL, SE borrowers VVOE must be within 60 days of Note - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX search - XXXX. No issues found. - Seller-03/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached XXXX search - XXXX. No issues found. - Seller-03/09/2026 | Resolved-Client provided CPA letter dated XXXX and per GL, SE borrowers VVOE must be within 60 days of Note - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - DTI of 35.36% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.36<br>Months Reserves exceed minimum required - Verified assets of 69.6 months exceeds the minimum required of 6 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 | 7970357 |
| XXXX | XXXX | 305062464 D A | Closed | FCRE1325 | 2026-03-06 09:31 | 2026-03-11 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Client provided CPA letter - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Please see CPA Letter that was uploaded to your system. Please clear this finding. - Seller-03/09/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter for borrower. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see CPA Letter that was uploaded to your system. Please clear this finding. - Seller-03/09/2026<br>| Resolved-Client provided CPA letter - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - DTI of 35.36% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.36<br>Months Reserves exceed minimum required - Verified assets of 69.6 months exceeds the minimum required of 6 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 | 7970358 |
| XXXX | XXXX | 305062464 D A | Closed | FCOM1266 | 2026-03-05 14:23 | 2026-03-11 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-03/10/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of limitations 3 years. Expires XXXX<br> - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/10/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - DTI of 35.36% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.36<br>Months Reserves exceed minimum required - Verified assets of 69.6 months exceeds the minimum required of 6 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 | 7950863 |
| XXXX | XXXX | 305071115 C A | Closed | FCRE1198 | 2026-03-09 15:05 | 2026-03-18 19:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reeived PCCD, based on the PCCD the rserves are 6.04 months which meets the guideline requirement of 6 months. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. The verified reserves at closing were sufficient to meet the 6-month requirement. - Seller-03/16/2026 <br>Open-Audited Reserves of 5.75 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached PCCD. The verified reserves at closing were sufficient to meet the 6-month requirement. - Seller-03/16/2026<br>| Resolved-Reeived PCCD, based on the PCCD the rserves are 6.04 months which meets the guideline requirement of 6 months. - Due Diligence Vendor-03/18/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 3 years. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 751. Required is 720 Borrower has 751 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8004148 |
| XXXX | XXXX | 305071115 C A | Closed | FCRE0044 | 2026-03-09 14:53 | 2026-03-12 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-An inquiry letter is not required as all inquiries are related to the subject transaction; XXXX is the TPO and XXXX is the credit reporting agency. - Seller-03/11/2026 <br> Open-LOX for credit inquiries is missing. Provide missing credit Inquiry letter. - Due Diligence Vendor-03/09/2026 | Ready for Review-An inquiry letter is not required as all inquiries are related to the subject transaction; XXXX is the TPO and XXXX is the credit reporting agency. - Seller-03/11/2026 | Resolved-Upon further review, LOE is not required. - Due Diligence Vendor-03/12/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 3 years. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 751. Required is 720 Borrower has 751 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8003905 |
| XXXX | XXXX | 305062511 D B A | Closed | FCRE1198 | 2026-03-09 14:25 | 2026-03-19 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow loan to be approved with 3 months in reserves with a 75% LTV. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 75% LTV and 3 months reserves - Seller-03/18/2026 <br> Counter-Received Matrix. Lender did not include 5% reduction for Declining Market. Max DTI 75% with declining market and 6 months reserves. Finding remains. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached Matrix; The loan qualifies with reduced reserves from XXXX matrix requiring a 5% reduction in LTV and 3 months reserves. Max LTV allowed is 80%, subject loan is 75% with 3.03 months reserves. - Seller-03/12/2026 <br> Open-Audited Reserves of 3.03 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 75% LTV and 3 months reserves - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached Matrix; The loan qualifies with reduced reserves from XXXX matrix requiring a 5% reduction in LTV and 3 months reserves. Max LTV allowed is 80%, subject loan is 75% with 3.03 months reserves. - Seller-03/12/2026 | Waived-Originator exception granted to allow loan to be approved with 3 months in reserves with a 75% LTV. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 26 Months Required = 12 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.299 Required is 0.75 Borrower has 1.299 | DSCR > 1.2 <br> 24+ month credit history exceeds minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 8003203 |
| XXXX | XXXX | 305062511 D B A | Closed | FCRE1201 | 2026-03-09 13:59 | 2026-03-13 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 <br>Open-Missing Third Party Fraud Report Missing OFAC and exclusionary list checks. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-03/13/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 26 Months Required = 12 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.299 Required is 0.75 Borrower has 1.299 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8002527 |
| XXXX | XXXX | 305051922 D B C A | Closed | FPRO1242 | 2026-03-10 11:49 | 2026-03-19 12:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-BPO was provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. The requested information is already included in the documentation provided in the file.<br>The BPO does contain the property details referenced in the finding. Specifically:<br>On Page 9 of 50 of the BPO, the report provides the unit type, unit count, average unit size, and average rooms per unit, which supports the property characteristics and confirms the unit information required for guideline review.<br>On Page 28 of 50 of the BPO, the year built is clearly listed as XXXX for the subject property.<br>Regarding the comment that an appraisal is missing, the file includes an Appraisal Narrative report. Per Section XXXX – Appraisals, for 5–10 unit residential properties, either FHLMC Form 71A or a Narrative Appraisal Report may be used to appraise 5+ unit residential properties.<br>Therefore, the Narrative Appraisal provided in the file meets the applicable guideline requirements for this property type.<br>Based on the documentation already included in the file, please clear this finding. - Seller-03/16/2026 <br> Counter-Received BPO. BPO missing year built and actual size of unit could not be located to confirm meet guidelines. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Please see attached Commercial Broker Opinion Letter that was uploaded to your system . Please clear this finding. - Seller-03/12/2026 <br> Open-Appraisal is Missing Provide missing Commercial Exterior Only Broker Price Opinion (BPO) as required based upon sales approach per lender guides. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. The requested information is already included in the documentation provided in the file.<br>The BPO does contain the property details referenced in the finding. Specifically:<br>On Page 9 of 50 of the BPO, the report provides the unit type, unit count, average unit size, and average rooms per unit, which supports the property characteristics and confirms the unit information required for guideline review.<br>On Page 28 of 50 of the BPO, the year built is clearly listed as XXXX for the subject property.<br>Regarding the comment that an appraisal is missing, the file includes an Appraisal Narrative report. Per Section XXXX– Appraisals, for 5–10 unit residential properties, either FHLMC Form 71A or a Narrative Appraisal Report may be used to appraise 5+ unit residential properties.<br>Therefore, the Narrative Appraisal provided in the file meets the applicable guideline requirements for this property type.<br>Based on the documentation already included in the file, please clear this finding. - Seller-03/16/2026 <br> Ready for Review-Please see attached Commercial Broker Opinion Letter that was uploaded to your system . Please clear this finding. - Seller-03/12/2026 | Resolved-BPO was provided. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8022851 |
| XXXX | XXXX | 305051922 D B C A | Closed | FCRE1232 | 2026-03-10 12:23 | 2026-03-19 12:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow A DSCR of .9 with the minimum is 1. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to be approved with a 0.9 DSCR - Seller-03/18/2026 <br> Open-The Calculated DSCR of '0.985' is less than the minimum DSCR per lender guidelines of '1'. Calculated DSCR does not meet the Minimum DSCR allowed. DSCR does not meet the minimum requirements of 1.00% (Lender did not reduce qualifying rents by Management Fees as required per guidelines). Reduced Unit 1 Rents of XXXX/m - XXXX Mgmt Fees = XXXX/mth. Audit DSCR toral rent Calc = XXXX - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to be approved with a 0.9 DSCR - Seller-03/18/2026<br>| Waived-Originator exception granted to allow A DSCR of .9 with the minimum is 1. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 | FICO Score 20 points above minimum required<br> 3+ months reserves above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 8024009 |
| XXXX | XXXX | 305051922 D B C A | Closed | FCRE9999 | 2026-03-12 12:39 | 2026-03-19 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Upon further review, the entity name matches. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-The difference noted between "XXXX" on the Operating Agreement and "XXXX" on the other documents is not a discrepancy.<br>"XXXX" is a commonly accepted abbreviation for "XXXX." Both references identify the same entity/address and are used interchangeably across the documentation.<br>Therefore, the variance is only an abbreviation difference and does not represent a different name or entity.<br>Please clear this finding. - Seller-03/16/2026 <br> Counter-Received Lender explanation. Difference noted in initial review is the name of "XXXX" listed on Operating agreement and "XXXX" on all other documents. Provide confirmation that names or one in the same. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-The subject investment property will be vested in XXXX, with the business address listed asXXXX.<br>Review of the Operating Agreement confirms the ownership structure of the LLC as follows:<br>• XXXX – 66.66% Ownership – XXXX, XXXX, and XXXX<br> • XXXX – 33.34% Ownership – XXXX<br>These ownership percentages are reflected in Article II – Formation, Item #8 (Percentage of Ownership) of the Operating Agreement.<br>The EIN letter on file was issued to XXXX, listing XXXX (XXX). XXXX is the XXXX and majority owner of the entity, which explains why he appears on the EIN documentation as the responsible party for the LLC.<br>Therefore, the EIN letter reflects the responsible XXXX of the LLC and does not indicate a different ownership structure. The members and ownership percentages remain consistent with the Operating Agreement.<br>Additionally, the entity name XXXX matches the name reflected on the EIN letter and the Articles of Organization.<br>Based on the review of the entity documents, no discrepancies were identified between the Operating Agreement, EIN letter, and formation documents.<br>Please review and clear this condition. - Seller-03/12/2026 <br> Open-Legal document incorrect or has issues. 1.) Members on the Operating Agreement Exhibits A and B for XXXX,does not match the members listed on the EIN letter in file. Provide clarification on the role/member affiliation of the individual listed on the EIN to the borrowing entity. 2.) Operating Agreement reflects XXXX (which does match exactly to LLC name on the EIN and Articles of Organization documentation). Provide clarification for variance of LLC name. - Due Diligence Vendor-03/12/2026 | Ready for Review-The difference noted between "XXXX" on the Operating Agreement and "XXXX" on the other documents is not a discrepancy.<br>"XXXX" is a commonly accepted abbreviation for "XXXX." Both references identify the same entity/address and are used interchangeably across the documentation.<br>Therefore, the variance is only an abbreviation difference and does not represent a different name or entity.<br>Please clear this finding. - Seller-03/16/2026 <br> Ready for Review-The subject investment property will be vested in XXXX, with the business address listed as XXXX.<br>Review of the Operating Agreement confirms the ownership structure of the LLC as follows:<br>• XXXX – 66.66% Ownership – XXXX, XXXX, and XXXX<br> • XXXX– 33.34% Ownership – XXXX<br>These ownership percentages are reflected in Article II – Formation, Item #8 (Percentage of Ownership) of the Operating Agreement.<br>The EIN letter on file was issued to XXXX, listing XXXX (XXX). XXXX is the XXXX and majority owner of the entity, which explains why he appears on the EIN documentation as the responsible party for the LLC.<br>Therefore, the EIN letter reflects the responsible member of the LLC and does not indicate a different ownership structure. The members and ownership percentages remain consistent with the Operating Agreement.<br>Additionally, the entity name XXXX matches the name reflected on the EIN letter and the Articles of Organization.<br>Based on the review of the entity documents, no discrepancies were identified between the Operating Agreement, EIN letter, and formation documents.<br>Please review and clear this condition. - Seller-03/12/2026 | Resolved-Upon further review, the entity name matches. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8075452 |
| XXXX | XXXX | 305071148 C A | Closed | FCRE1440 | 2026-03-13 11:47 | 2026-03-31 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM and statements. Housing history meets guideline XXXX - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof all non subject mortgages XXXX payments made and due for XXXX - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/27/2026<br>| Resolved-Received VOM and statements. Housing history meets guideline XXXX - Due Diligence Vendor-03/31/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.013 which exceeds the minimum required of 0.8 Required is 0.8 Borrower has 1.013<br>Months Reserves exceed minimum required - Verified assets of 45.11 months exceeds the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8098095 |
| XXXX | XXXX | 305079403 C B A | Closed | FCRE1440 | 2026-03-10 18:03 | 2026-03-18 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The borrower qualified with the no housing history or less than 12 months verified guideline (section XXXX). - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The loan application shows the borrower lives in his current residence for XXXX years. The 1003 shows no primary housing expense. The file contains a LOXfrom the borrower stating "Please accept this letter of explanation regarding my rent history. I pay my landlord the rent in cash every month as my business generates a good amount of cash monthly." Please provide a Verification of Rent (VOR) from the landlord directly, verifying the borrower's current monthly rent amount or if no rent amount is required please provide a rent free letter from the homeowner. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-The borrower qualified with the no housing history or less than 12 months verified guideline (section XXXX. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 30.42 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8031888 |
| XXXX | XXXX | 305079403 C B A | Closed | FCRE1510 | 2026-03-10 12:19 | 2026-03-16 12:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided legal description - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. MISSING LEGAL DESCRIPTION OF PROPERTY - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Client provided legal description - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 30.42 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8023946 |
| XXXX | XXXX | 305079403 C B A | Closed | FCOM1302 | 2026-03-10 12:32 | 2026-03-10 14:16 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-03/10/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 30.42 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8024244 |
| XXXX | XXXX | 305079403 C B A | Closed | FCOM5135 | 2026-03-10 14:00 | 2026-03-10 14:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-03/10/2026 |  | Waived-Required Affiliated Business Disclosure Missing ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 30.42 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8027080 |
| XXXX | XXXX | 305079402 C B A | Closed | FCRE1198 | 2026-03-11 11:11 | 2026-03-18 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client confirmed that the XXXX guidelines should be used and only 3 months reserves is required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Open-Audited Reserves of 4.54 month(s) are less than Guideline Required Reserves of 6 month(s) The guidelines state 6 months reserves are required when the LTV ratio is equal to or greater than 80%. The loan closed with a LTV ratio of 80%. The lender stated on the 1008 that 3 months was required which is incorrect. The loan file is short the required reserves. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Client confirmed that theXXXX guidelines should be used and only 3 months reserves is required. - Due Diligence Vendor-03/18/2026 | Verified employment history exceeds guidelines - The borrower has been self-employed since XXXX which is more than the 2 years required. <br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.58 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8047467 |
| XXXX | XXXX | 305079402 C B A | Closed | finding-3352 | 2026-03-10 13:02 | 2026-03-13 10:59 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non- material finding. File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-03/13/2026 <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. - Due Diligence Vendor-03/10/2026 |  | Waived-Originator waiver applied to non- material finding. File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-03/13/2026<br>| Verified employment history exceeds guidelines - The borrower has been self-employed since XXXX which is more than the 2 years required. <br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.58 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8024963 |
| XXXX | XXXX | 305079402 C B A | Closed | FCOM5135 | 2026-03-10 14:28 | 2026-03-10 14:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/10/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-03/10/2026<br>| Verified employment history exceeds guidelines - The borrower has been self-employed since XXXX which is more than the 2 years required. <br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.58 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8027772 |
| XXXX | XXXX | 305062550 C B A | Closed | FCRE1200 | 2026-03-11 09:12 | 2026-03-17 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for minimum loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached exception - Seller-03/13/2026 <br>Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150,000. Subject loan amount does not meet the minimum loan amounts per guides. (UW notes indicate Lender Exception on 1008; however, missing Lender Exception Approval in file). - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached exception - Seller-03/13/2026<br>| Waived-Originator provided a waiver for minimum loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/17/2026<br>| DSCR % greater than 1.20 - DSCR > 1.20<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 6.86m. | \* DSCR % greater than 1.20 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8043200 |
| XXXX | XXXX | 305079383 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305079381 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305061801 D B C A | Closed | finding-3352 | 2026-03-16 07:52 | 2026-03-25 10:41 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/25/2026 <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.<br> - Due Diligence Vendor-03/16/2026 |  | Waived-Waived to non-material, subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8122351 |
| XXXX | XXXX | 305061801 D B C A | Closed | FCRE1198 | 2026-03-16 14:11 | 2026-03-23 14:02 | 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 6 months verified reserves < required 12 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. please see the upl doc - Seller-03/19/2026 <br> Counter-File submitted using XXXX matrix XXXX which indicate LTV greater than 85% requires 12 months PITIA. Finding remains. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. please see the upl info from the UW - Seller-03/17/2026 <br> Open-Audited Reserves of 6.51 month(s) are less than Guideline Required Reserves of 12 month(s). 12 months required for LTV over 85%. provide sufficient asset to support total reserves required. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. please see the upl doc - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. please see the upl info from the UW - Seller-03/17/2026<br>| Waived-Originator provided a waiver for 6 months verified reserves < required 12 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 | Ratios: <43%<br> Long term employment | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8133433 |
| XXXX | XXXX | 305061801 D B C A | Closed | FCRE8887 | 2026-03-16 08:33 | 2026-03-18 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-03/17/2026 <br>Open-Initial 1003 is missing page 8 - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-03/17/2026<br>| Resolved-Received 1003. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8122914 |
| XXXX | XXXX | 305061801 D B C A | Closed | finding-3634 | 2026-03-16 07:52 | 2026-03-18 13:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.20.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). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Please provide more information the Attorney rev fee $350.00 has been on the initial LE since the beginning & all LE & CD. - Seller-03/17/2026 <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 $350.20.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 $350.00 (Attorney Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $350.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-03/16/2026 | Ready for Review-Please provide more information the Attorney rev fee $350.00 has been on the initial LE since the beginning & all LE & CD. - Seller-03/17/2026<br>| 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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.20.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). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8122348 |
| XXXX | XXXX | 305062565 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078314 D A C | Closed | FCRE8525 | 2026-03-17 08:34 | 2026-04-10 16:21 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Page one of the appraisal report received. - Due Diligence Vendor-03/25/2026 <br> Counter-Received page 1 of an appraisal. Please provide complete, legible 2nd appraisal. (XXXX appraisal report) - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. please see attached page 1 of XXXX appraisal report. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Counter-Second appraisal provided; however, the first page of the PDF is cutoff. Please provide page 1 from the XXXX appraisal. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached both appraisal reports used to final approve: <br> 1) XXXX by XXXX, and <br> 2) XXXX by XXXX<br> - Seller-03/18/2026 <br> Open-Two or more full valuation products were not provided.' - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. please see attached page 1 of XXXX appraisal report. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached both appraisal reports used to final approve: <br> 1) XXXX By XXXX, and <br> 2) XXXX by XXXX<br> - Seller-03/18/2026 | Resolved-Page one of the appraisal report received. - Due Diligence Vendor-03/25/2026<br>| Months Reserves exceed minimum required - Verified assets of 145.28 months exceeds the minimum required of 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 814 Required is 680 Borrower has 814 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8147426 |
| XXXX | XXXX | 305078314 D A C | Closed | FCRE1455 | 2026-03-17 09:23 | 2026-03-19 09:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Guidelines allow only one month statement. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Assets only require 1 month bank statements, Please expedite this to be cleared as soon as possible - Seller-03/18/2026 <br>Open-Asset 1 Less Than 2 Months Verified Guidelines require 1 month bank statements - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Assets only require 1 month bank statements, Please expedite this to be cleared as soon as possible - Seller-03/18/2026<br>| Resolved-Guidelines allow only one month statement. - Due Diligence Vendor-03/19/2026<br>| Months Reserves exceed minimum required - Verified assets of 145.28 months exceeds the minimum required of 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 814 Required is 680 Borrower has 814 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8148797 |
| XXXX | XXXX | 305078314 D A C | Closed | FVAL8946 | 2026-03-17 09:25 | 2026-03-19 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Appraisal | Resolved-Second appraisal provided; removing this additional finding as it is discussed in the other finding. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached both appraisal reports used to final approve: <br> 1) XXXX by XXXX, and <br> 2) XXXX by XXXX<br> - Seller-03/18/2026 <br> Open-Missing second appraisal report as loan amount is over $2M. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached both appraisal reports used to final approve: <br> 1) XXXX by XXXX, and <br> 2) XXXX by XXXX<br> - Seller-03/18/2026 | Resolved-Second appraisal provided; removing this additional finding as it is discussed in the other finding. - Due Diligence Vendor-03/19/2026<br>| Months Reserves exceed minimum required - Verified assets of 145.28 months exceeds the minimum required of 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 814 Required is 680 Borrower has 814 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8148852 |
| XXXX | XXXX | 305071152 C A | Closed | FCRE1510 | 2026-03-17 04:17 | 2026-03-20 14:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with legal description. - Seller-03/19/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with legal description. - Seller-03/19/2026<br>| Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/20/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.051 which exceeds the minimum required of 0.75 Required is 0.75 Borrower has 1.051<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 793 which exceeds the minimum of 720 Required is 720 Borrower has 793 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8143921 |
| XXXX | XXXX | 305078332 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305079394 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078350 D B C A | Closed | finding-3352 | 2026-03-20 11:24 | 2026-03-24 19:20 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non material finding . Deemed non material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026 <br>Ready for Review-HPML is allowed on this loan - there are impounds and an appraisal. Please clear - Seller-03/23/2026 <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. - Due Diligence Vendor-03/20/2026 | Ready for Review-HPML is allowed on this loan - there are impounds and an appraisal. Please clear - Seller-03/23/2026<br>| Waived-Originator waiver applied to non material finding . Deemed non material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  |  | 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 | 8238758 |
| XXXX | XXXX | 305078350 D B C A | Closed | finding-3939 | 2026-03-20 11:24 | 2026-03-24 14:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received CD XXXX. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX and XXXX. \*\*\*\*\*NEW\*\*\*\*\*-----Missing initial CD from rate lock of XXXX - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026<br>| Resolved-Received CD XXXX. Finding Resolved. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8238755 |
| XXXX | XXXX | 305078350 D B C A | Closed | FPRO1242 | 2026-03-17 15:12 | 2026-03-23 12:00 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br> Open-Appraisal is Missing A full appraisal with a complete inspection of the home, including the interior and exterior of the subject property and including color photographs, requires a Uniform Residential Appraisal Report – XXXX®/XXXX Forms 1004/70. While the Certification of Completion was provided, verifying on XXXX that the appraiser observed the subject was complete per plans and specs with all utilities on and all mechanical systems working properly, the required appraisal report is missing from the file and must be provided. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Received appraisal. - Due Diligence Vendor-03/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8161859 |
| XXXX | XXXX | 305078350 D B C A | Closed | FCRE8013 | 2026-03-17 15:12 | 2026-03-23 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Client provided seller signing authority - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. See attached Seller Signing Authority documentation, which was delivered with the loan file. - Seller-03/20/2026 <br>Counter-Received legible copy of purchase contract. Contract is executed by another party than vested owner on preliminary title and appraisal received. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. The purchase contract in file is not completely legible. Several of the pages have the top cut off and the full page cannot be viewed and read. Additionally, the seller concessions legible on the purchase contract reflects $25,000 while the Final Closing Disclosure has updated the seller concessions to $20,275.25. These amounts should be the same. Please provide a complete executed purchase contract. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. See attached Seller Signing Authority documentation, which was delivered with the loan file. - Seller-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Client provided seller signing authority - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8161860 |
| XXXX | XXXX | 305078350 D B C A | Closed | FCRE1510 | 2026-03-17 12:01 | 2026-03-20 14:19 | 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-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8155785 |
| XXXX | XXXX | 305078350 D B C A | Closed | FCOM1252 | 2026-03-17 11:11 | 2026-03-20 11:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Open------ Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received LE XXXX. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8152248 |
| XXXX | XXXX | 305078350 D B C A | Closed | FCOM0013 | 2026-03-17 10:38 | 2026-03-20 11:13 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br>Open-Missing e-Consent. ----- Missing e-Consent. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8150716 |
| XXXX | XXXX | 305078350 D B C A | Closed | FCOM1231 | 2026-03-17 10:14 | 2026-03-20 11:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received all pages Initial 1003. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br>Open-The Initial 1003 is Missing. Only pages 9 and 10 provided. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Received all pages Initial 1003. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | 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 | 8150061 |
| XXXX | XXXX | 305071134 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078364 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078306 C B A | Closed | FCOM0013 | 2026-03-17 16:38 | 2026-03-20 11:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br>Open-Missing e-Consent. -----Missing e-consent - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 685 which exceeds the minimum of 660 Required is 660 Borrower has 685<br>Qualifying DTI below maximum allowed - DTI of 41.16% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 41.16 |  | 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 | 8164404 |
| XXXX | XXXX | 305078306 C B A | Closed | finding-3352 | 2026-03-17 15:37 | 2026-03-19 09:09 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 <br> Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/19/2026 <br> Ready for Review-This loan has impounds and an appraisal. HPML is allowed. Please clear - Seller-03/18/2026 | Ready for Review-This loan has impounds and an appraisal. HPML is allowed. Please clear - Seller-03/18/2026<br>| Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 685 which exceeds the minimum of 660 Required is 660 Borrower has 685<br>Qualifying DTI below maximum allowed - DTI of 41.16% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 41.16 |  |  | 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 | 8162423 |
| XXXX | XXXX | 305078300 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305079368 C B A | Closed | FCRE1510 | 2026-03-18 07:04 | 2026-03-20 15:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Ex A legal description There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description<br> - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Client provided Ex A legal description There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/20/2026<br>| Months Reserves exceed minimum required - required 6 months. borrower has 13.52 months of reserves<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 15.95 Required is 45 Borrower has 15.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8179163 |
| XXXX | XXXX | 305079368 C B A | Closed | finding-3352 | 2026-03-17 13:49 | 2026-03-20 09:25 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 <br> Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/20/2026<br>| Months Reserves exceed minimum required - required 6 months. borrower has 13.52 months of reserves<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 15.95 Required is 45 Borrower has 15.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8158344 |
| XXXX | XXXX | 305079390 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078308 D A | Closed | FCRE6019 | 2026-03-18 15:20 | 2026-03-25 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received updated 1003 - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br> Counter-Provide 1003 with the borrower's citizenship corrected; the guidelines do not require the back of the EAD card. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-The borrower was UW as a Non-Permanent Resident Alien. While the EAD card expired on XXXX, the file contains documented evidence that the borrower filed an I-765 application for extension prior to the Note date (XXXX) and USCIS case status confirms the application remained pending at that time. DSCR guidelines permit an expired EAD at Note when evidence of extension filing is provided. Therefore, borrower eligibility was adequately supported. Per XXXX DSCR guide XXXX Eligible Borrowers: If EAD card is expired at the time of the note date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. In addition, XXXX DSCR guidelines do not require a copy of the back of the EAD card. - Seller-03/20/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing back of EAD card. Provide proof borrower is permanent resident alien as listed on application. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br> Ready for Review-The borrower was UW as a Non-Permanent Resident Alien. While the EAD card expired on XXXX, the file contains documented evidence that the borrower filed an I-765 application for extension prior to the Note date (XXXX) and USCIS case status confirms the application remained pending at that time. DSCR guidelines permit an expired EAD at Note when evidence of extension filing is provided. Therefore, borrower eligibility was adequately supported. Per XXXX DSCR guide XXXX Eligible Borrowers: If EAD card is expired at the time of the note date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. In addition, XXXX DSCR guidelines do not require a copy of the back of the EAD card. - Seller-03/20/2026 | Resolved-Received updated 1003 - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 Required is 660 Borrower has 721<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8193100 |
| XXXX | XXXX | 305078308 D A | Closed | FCRE1202 | 2026-03-20 09:09 | 2026-03-25 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received updated Third Party Fraud Report - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br> Counter-The Drive report reflects the borrower's citizenship as permanent resident; however, the borrower is a non-permanent resident. Original finding remains. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-The borrower was UW as a Non-Permanent Resident Alien. While the EAD card expired on XXXX, the file contains documented evidence that the borrower filed an I-765 application for extension prior to the Note date (XXXX) and USCIS case status confirms the application remained pending at that time. DSCR guidelines permit an expired EAD at Note when evidence of extension filing is provided. Therefore, borrower eligibility was adequately supported. Per XXXX DSCR guide XXXX Eligible Borrowers: If EAD card is expired at the time of the note date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. In addition, XXXX DSCR guidelines do not require a copy of the back of the EAD card. - Seller-03/20/2026 <br> Open-Third Party Fraud Report Partially Provided Missing fraud report ran with borrower as non-permanent resident alien, EAD card provided for proof of citizenship - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br> Ready for Review-The borrower was UW as a Non-Permanent Resident Alien. While the EAD card expired on XXXX, the file contains documented evidence that the borrower filed an I-765 application for extension prior to the Note date (XXXX) and USCIS case status confirms the application remained pending at that time. DSCR guidelines permit an expired EAD at Note when evidence of extension filing is provided. Therefore, borrower eligibility was adequately supported. Per XXXX DSCR guide XXXX Eligible Borrowers: If EAD card is expired at the time of the note date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. In addition, XXXX DSCR guidelines do not require a copy of the back of the EAD card. - Seller-03/20/2026 | Resolved-Received updated Third Party Fraud Report - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 Required is 660 Borrower has 721<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8234309 |
| XXXX | XXXX | 305078308 D A | Closed | FCRE1510 | 2026-03-18 12:46 | 2026-03-24 12:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Attached is the Recorded DOT-Riders-Legal and Recorded GWD received from Title.<br> - Seller-03/20/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Attached is the Recorded DOT-Riders-Legal and Recorded GWD received from Title.<br> - Seller-03/20/2026<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 721 Required is 660 Borrower has 721<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8187659 |
| XXXX | XXXX | 305071153 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305078296 C B A | Closed | FCRE1197 | 2026-03-19 00:54 | 2026-03-24 13:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO of 640 is less than Guideline FICO of 660. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 <br> Open-Audited FICO of 640 is less than Guideline FICO of 660 Minimum of 660 FICO is required per guidelines. The 1008 and Loan Confirmation dated XXXX reflect that an exception was made and approved for the use of a FICO score below 660 minimum. However, the approved exception with compensating factors was missing from the file. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026<br>| Waived-Originator exception granted to allow FICO of 640 is less than Guideline FICO of 660. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/24/2026<br>| Months Reserves exceed minimum required - 3 months required - have 8.51 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 42.42 | LTV is 25% below max (43%)<br> 3 months required - have 8.51 months reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 8203298 |
| XXXX | XXXX | 305078338 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305078322 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305061874 D A | Closed | FCRE6019 | 2026-03-19 15:32 | 2026-04-01 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-797 Notice of Action approval for EAD dated XXXX - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see updated I797C - Notice of Action. - Seller-03/31/2026 <br> Counter-Received 2024 and 2025 I-797C and neither reflect approval nor extension, only receipt and appointment. Provide acceptable confirmation borrower has received approval or extension. Expired EADs reflect C10 category. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. These I-797C were in the credit package, page 34-36 - Please review and advise. - Seller-03/25/2026 <br> Counter-Reviewed Credit Package, we have EAD expired XXXX and XXXX7. Please provide current I797 per GL - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Expired EAD as of XXXX, another expired EAD as of XXXX as evidence of prior renewal, and the i797c is evidence of the i797 form receipt. All of these documents are in the credit package. - Seller-03/20/2026 <br> Open-Borrower Citizenship Documentation Is Missing Non Perm resident alien- Employment authorization card expired on XXXX. provide updated employment authorization card or VISA unexpired. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see updated I797C - Notice of Action. - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. These I-797C were in the credit package, page 34-36 - Please review and advise. - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Expired EAD as of XXXX, another expired EAD as of XXXX as evidence of prior renewal, and the i797c is evidence of the i797 form receipt. All of these documents are in the credit package. - Seller-03/20/2026 | Resolved-Received I-797 Notice of Action approval for EAD dated XXXX- Due Diligence Vendor-04/01/2026 | Months Reserves exceed minimum required - 14.64 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 673 Required is 640 Borrower has 673 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8222021 |
| XXXX | XXXX | 305078344 C B A | Closed | FCRE1198 | 2026-03-20 09:15 | 2026-03-27 15:39 | 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 allow Business assets to be used for reserves to avoid additional transactions , applied to non material finding with comp factors - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the use of Business Funds for reserves - Seller-03/25/2026 <br> Counter- Business Assets ineligible towards reserves per the XXXX matrix; unable to use the borrower's business assets of $61,779.50. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-According to the attached final Settlement Statement, there were two deposits towards the EMD, each for $5,000 and funds to close of $232,348.59, which were from the sale of the borrowers departing residence. The loan file included additional $61,779.50 in verified assets to support the 6-month reserve requirements. Please see attached - Seller-03/23/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional assets for reserves. Per the guidelines, business assets are ineligible for reserves. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the use of Business Funds for reserves - Seller-03/25/2026 <br>Ready for Review-According to the attached final Settlement Statement, there were two deposits towards the EMD, each for $5,000 and funds to close of $232,348.59, which were from the sale of the borrowers departing residence. The loan file included additional $61,779.50 in verified assets to support the 6-month reserve requirements. Please see attached - Seller-03/23/2026<br>| Waived-Originator provided a waiver to allow Business assets to be used for reserves to avoid additional transactions , applied to non material finding with comp factors - Due Diligence Vendor-03/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 | FICO is 20 points above Min required<br> \* 24+ month mortgage history exceeds minimum required | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8234470 |
| XXXX | XXXX | 305078344 C B A | Closed | finding-3939 | 2026-03-19 12:28 | 2026-03-25 10:18 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received Initial CD issued and acknowledged on XXXX. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. LOCK NOT INCLUDED ON THE COC FORM- CD IS ATTACHED AND WAS DISCLOSED WITHIN 3 DAYS. BORROWER ACKNOWLEDGED XXXX - Seller-03/23/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Missing LE/CD unable to test properly additional findings may apply. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. LOCK NOT INCLUDED ON THE COC FORM- CD IS ATTACHED AND WAS DISCLOSED WITHIN 3 DAYS. BORROWER ACKNOWLEDGED XXXX - Seller-03/23/2026 | Resolved-Received Initial CD issued and acknowledged on XXXX. Finding resolved. - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8215083 |
| XXXX | XXXX | 305078344 C B A | Closed | FCOM0013 | 2026-03-19 13:42 | 2026-03-25 10:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Post Close Review: Uploaded - Seller-03/23/2026 <br>Open-Missing e-Consent. Please provide evidence of eConsent prior to initial disclosures. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Post Close Review: Uploaded - Seller-03/23/2026<br>| Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8218156 |
| XXXX | XXXX | 305078344 C B A | Closed | FCRE1206 | 2026-03-23 07:39 | 2026-03-24 12:19 | 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-03/24/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser to be added to the loan participant list. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8260938 |
| XXXX | XXXX | 305078344 C B A | Closed | FCRE9501 | 2026-03-20 09:08 | 2026-03-24 11:44 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Evidence of the earnest money deposit of $10,000 cleared borrower's account was provided. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. According to the attached final Settlement Statement, there were two deposits towards the EMD, each for $5,000 and funds to close of $232,348.59, which were from the sale of the borrowers departing residence. See attached for supporting documents. - Seller-03/23/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-4383.61'. Assets are Insufficient. Provide evidence earnest money deposit of $10,000 cleared borrower's account. (File only contained verification of $5K clearing an account where no statements were provided in file). - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. According to the attached final Settlement Statement, there were two deposits towards the EMD, each for $5,000 and funds to close of $232,348.59, which were from the sale of the borrowers departing residence. See attached for supporting documents. - Seller-03/23/2026<br>| Resolved-Evidence of the earnest money deposit of $10,000 cleared borrower's account was provided. - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8234294 |
| XXXX | XXXX | 305078344 C B A | Closed | FCOM1302 | 2026-03-19 11:25 | 2026-03-19 11:25 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/19/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.11 Required is 50 Borrower has 34.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 Required is 680 Borrower has 743 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8212234 |
| XXXX | XXXX | 305078367 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305078337 C A | Closed | FCRE1204 | 2026-03-23 10:07 | 2026-03-25 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. All cleared. Also please note a "Low Caution" rating means XXXX identified minor or explainable variances in the loan file, but no material fraud indicators or high-risk inconsistencies. The file is considered low risk, with items that are informational or easily cleared by underwriting. All identified variances were cleared by the UW. It is also noted that OFAC STATUS is PASS, HUD-LDP STATUS is PASS, and GSA-EPLS STATUS is PASS. - Seller-03/24/2026 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached. All cleared. Also please note a "Low Caution" rating means DataVerify identified minor or explainable variances in the loan file, but no material fraud indicators or high-risk inconsistencies. The file is considered low risk, with items that are informational or easily cleared by underwriting. All identified variances were cleared by the UW. It is also noted that OFAC STATUS is PASS, HUD-LDP STATUS is PASS, and GSA-EPLS STATUS is PASS. - Seller-03/24/2026<br>| Resolved-Received updated Fraud Report. - Due Diligence Vendor-03/25/2026<br>| Months Reserves exceed minimum required - 6 required - have 16.22 months<br>Long term residence - Long Term Residence = 10+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8263798 |
| XXXX | XXXX | 305078353 C A | Closed | finding-3625 | 2026-03-19 16:49 | 2026-03-26 13:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD with correction. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Lender/Broker, however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026<br>| Resolved-Received PCCD with correction. Finding resolved. - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - Max LTV is 90 Borrower has 70 Required is 90 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 688 Required is 620 Borrower has 688<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 34.5 Required is 50.49 Borrower has 34.5 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8223715 |
| XXXX | XXXX | 305071116 C A | Closed | FCRE1440 | 2026-03-19 19:59 | 2026-03-25 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note and property profile confirming borrower is title only and not obligated on Note. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. The borrower is only on title but not on the Note for the primary residence. Please see attached. - Seller-03/23/2026 <br>Open-Housing History Does Not Meet Guideline Requirements VOM or equivalent needed for current primary showing the most recent 12 months paid as agreed. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. The borrower is only on title but not on the Note for the primary residence. Please see attached. - Seller-03/23/2026<br>| Resolved-Received Note and property profile confirming borrower is title only and not obligated on Note. - Due Diligence Vendor-03/25/2026<br>| Credit history exceeds minimum required - Credit History = 212 Months Minimum Credit History = 24 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.002 Required is 0.8 Borrower has 1.002 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8227475 |
| XXXX | XXXX | 305071116 C A | Closed | FCRE1206 | 2026-03-23 11:11 | 2026-03-25 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse to be added to the loan participant list. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/25/2026<br>| Credit history exceeds minimum required - Credit History = 212 Months Minimum Credit History = 24 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.002 Required is 0.8 Borrower has 1.002 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8264979 |
| XXXX | XXXX | 305078368 D A | Closed | FCRE1201 | 2026-03-20 11:50 | 2026-04-07 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see updated Final XXXX Report- Loan Participant Analysis for Title Agent- No matches found. Please clear this finding. - Seller-04/05/2026 <br> Counter-Received updated Fraud report, still missing title agent XXXX - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please attached Final XXXX Report - Loan participant Analysis for Title Company, Title Agent, Appraiser , Appraisal Company, CPA and CPA company. No matches found. Please clear this finding. - Seller-04/01/2026 <br> Counter-Client provided DV report. Missing LDP/EPLS/OFAC for Title Company, Title Agent, Appraiser, Appraisal Co, CPA, CPA Company. Please review loan participants to include any other names not listed here. Other conditions may apply upon further review - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached Final XXXX Report showing all 1000 Score Pass. No issues found. Please clear this finding. - Seller-03/26/2026 <br> Counter-Received Data Verify still reflecting Auto Refer. Finding remains. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached updated Final XXXX report. Please clear this finding. - Seller-03/24/2026 <br> Open-Missing Third Party Fraud Report Provide missing Fraud Report, clear of Alerts and Auto Refers. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see updated Final XXXX Report- Loan Participant Analysis for Title Agent- No matches found. Please clear this finding. - Seller-04/05/2026 <br> Ready for Review-Document Uploaded. Please attached Final XXXX Report - Loan participant Analysis for Title Company, Title Agent, Appraiser , Appraisal Company, CPA and CPA company. No matches found. Please clear this finding. - Seller-04/01/2026 <br> Ready for Review-Document Uploaded. Please see attached Final XXXX Report showing all 1000 Score Pass. No issues found. Please clear this finding. - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached updated Final XXXX report. Please clear this finding. - Seller-03/24/2026 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 12.81 Required is 50.49 Borrower has 12.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 Required is 660 Borrower has 743 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8241413 |
| XXXX | XXXX | 305078368 D A | Closed | FCRE2371 | 2026-03-20 12:02 | 2026-03-25 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received proof of sale of 3d. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached Final 1003 and CR - XXXX Snippet shows zero balance as of XXXX and XXXX Price History shows this property was sold XXXX which matches the credit report. No issues found. - Seller-03/23/2026 <br> Open-Missing proof that REO 3D of the 1003 is sold and mortgage liens paid in full with sale. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached Final 1003 and CR - XXXX Snippet shows zero balance as of XXXX and XXXX Price History shows this property was sold XXXX which matches the credit report. No issues found. - Seller-03/23/2026 | Resolved-Received proof of sale of 3d. - Due Diligence Vendor-03/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 12.81 Required is 50.49 Borrower has 12.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 Required is 660 Borrower has 743 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8241942 |
| XXXX | XXXX | 305078349 C A | Closed | FCRE1510 | 2026-03-24 04:36 | 2026-03-25 14:16 | 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-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <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-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. The Borrower has 26.16 months of verified reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8281990 |
| XXXX | XXXX | 305078342 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305078321 C A | Closed | FCRE0042 | 2026-03-25 16:15 | 2026-03-30 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Florida Foreign National Affidavit is missing or incomplete | Resolved-Lender provided affidavit executed - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026 <br> Open-XXXX Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026<br>| Resolved-Lender provided affidavit executed - Due Diligence Vendor-03/30/2026<br>| Months Reserves exceed minimum required - <br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.043 Required is 0.75 Borrower has 1.043 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8319994 |
| XXXX | XXXX | 305078321 C A | Closed | FCRE0045 | 2026-03-25 16:15 | 2026-03-30 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Lender provided the ACH form executed - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026<br>| Resolved-Lender provided the ACH form executed - Due Diligence Vendor-03/30/2026<br>| Months Reserves exceed minimum required - <br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.043 Required is 0.75 Borrower has 1.043 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8319995 |
| XXXX | XXXX | 305078362 D A | Closed | FCRE3653 | 2026-03-24 09:48 | 2026-04-01 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received housing history for b2. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/30/2026 <br> Counter-Received lender Note. Credit report does not reflect mortgage paid through note date. Loan depot last payment XXXX. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Please refer to the loan application. Although the borrowers are married, they live in different states. B1 resided and rents in XX, a VOR was provided accordingly. B2 owns their residence in XX. The XXXX mortgage for that property is on the Credit Report delivered with the loan file. - Seller-03/26/2026 <br> Counter-VOR for B1 provided. Please provide the Rent Free Letter for B2. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br> Open-Missing letter of explanation. Must provide a rent-free letter to from the borrower.<br>- Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/30/2026 <br> Ready for Review-Please refer to the loan application. Although the borrowers are married, they live in different states. B1 resided and rents in XX, a VOR was provided accordingly. B2 owns their residence in XX. The XXXX mortgage for that property is on the Credit Report delivered with the loan file. - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 | Resolved-Received housing history for b2. - Due Diligence Vendor-04/01/2026<br>| Months Reserves exceed minimum required - The Borrower has 14.44 months in reserves; guideline requires 6 months.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8286812 |
| XXXX | XXXX | 305078362 D A | Closed | FCRE0184 | 2026-03-20 12:07 | 2026-03-26 15:12 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-03/25/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing Cash out Letter. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-03/25/2026<br>| Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - The Borrower has 14.44 months in reserves; guideline requires 6 months.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8242099 |
| XXXX | XXXX | 305078362 D A | Closed | FCRE8887 | 2026-03-20 12:38 | 2026-03-26 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br>Open-Provide corrected 1003 B1 appears to be a Permanent Resident. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026<br>| Resolved-Received revised 1003. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - The Borrower has 14.44 months in reserves; guideline requires 6 months.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8242876 |
| XXXX | XXXX | 305078362 D A | Closed | FCRE6019 | 2026-03-24 09:40 | 2026-03-26 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br>Open-Borrower Citizenship Documentation Is Missing. Borrower is a Permanent Resident Alien. Missing copy of the front and back of the Green Card. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026<br>| Resolved-Received Permanent Resident Card - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - The Borrower has 14.44 months in reserves; guideline requires 6 months.<br>Credit history exceeds minimum required - The Borrower has had 0x30 for more than 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8286548 |
| XXXX | XXXX | 305062174 C A | Closed | FCRE1440 | 2026-03-23 09:08 | 2026-03-30 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Cancellation of Purchase for XXXX received. Updated 1003 removing property also received. Removed property from DTI - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see amended final 1003 removing REO 3E, the borrower decided to cancel the loan. - Seller-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 Mortgage payment history with 3E (1XXXX.) with the Lender XXXX. Missing copy of most recent 12 months payment history and or copy of the note and the Payment letter for break down. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see amended final 1003 removing REO 3E, the borrower decided to cancel the loan. - Seller-03/27/2026<br>| Resolved-Cancellation of Purchase for XXXX received. Updated 1003 removing property also received. Removed property from DTI - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - DTI 23.74 max 50%. Required is 50 Borrower has 23.74<br>Months Reserves exceed minimum required - 12.94 months PITIA reserves; 0 months reserves 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 | 8262795 |
| XXXX | XXXX | 305078294 C B A | Closed | FCOM0013 | 2026-03-20 10:19 | 2026-03-26 14:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br>Open-Missing e-Consent. -----Missing e-consent - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026<br>| Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - 13.3 months reserves exceed 9 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.54 Required is 50 Borrower has 35.54 |  | 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 | 8236252 |
| XXXX | XXXX | 305078294 C B A | Closed | FCRE1440 | 2026-03-21 01:17 | 2026-03-25 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Guidelines require a Verification of Mortgage (VOM) and/or Verification of Rent (VOR) required to support housing payment history and review for delinquencies in the last 12 months. The 1008 in file states the Borrower is a FTHB with rental history and the loan application reflects primary housing rental of $2,300 per month for the past year. The required Verification of Rent (VOR) for the Borrower's primary home for the last 12 months must be provided to meet the guidelines. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/24/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-03/25/2026<br>| Months Reserves exceed minimum required - 13.3 months reserves exceed 9 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.54 Required is 50 Borrower has 35.54 |  | 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 | 8251593 |
| XXXX | XXXX | 305078294 C B A | Closed | finding-3352 | 2026-03-20 11:15 | 2026-03-24 08:04 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/20/2026 <br>Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026 |  | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026<br>| Months Reserves exceed minimum required - 13.3 months reserves exceed 9 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.54 Required is 50 Borrower has 35.54 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 8238393 |
| XXXX | XXXX | 305079370 C A | Closed | FCRE1159 | 2026-03-23 10:04 | 2026-03-30 09:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Lender provided policy to show insurance was in effect sine XXXX - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Lender provided policy to show insurance was in effect sine XXXX - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - 760 above min required 680 Required is 680 Borrower has 760<br>Months Reserves exceed minimum required - 8.4 months exceed min required 3<br>LTV is less than guideline maximum - Required is 90 Borrower has 84.68 | Per CD funded XXXX as well. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8263759 |
| XXXX | XXXX | 305079370 C A | Closed | FCOM3605 | 2026-03-20 14:01 | 2026-03-27 15:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Initial CD finding resolved. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Received Initial CD finding resolved. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 760 above min required 680 Required is 680 Borrower has 760<br>Months Reserves exceed minimum required - 8.4 months exceed min required 3<br>LTV is less than guideline maximum - Required is 90 Borrower has 84.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8244759 |
| XXXX | XXXX | 305079370 C A | Closed | finding-3939 | 2026-03-20 11:58 | 2026-03-27 14:45 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX. -----Missing Initial CD. Additional findings may apply upon receipt. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved- - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 760 above min required 680 Required is 680 Borrower has 760<br>Months Reserves exceed minimum required - 8.4 months exceed min required 3<br>LTV is less than guideline maximum - Required is 90 Borrower has 84.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8241786 |
| XXXX | XXXX | 305078302 D B A | Closed | finding-3352 | 2026-03-20 16:37 | 2026-04-28 17:50 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/28/2026 |  | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/28/2026<br>| Months Reserves exceed minimum required - Verified assets of 10.44 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 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 8248504 |
| XXXX | XXXX | 305078302 D B A | Closed | FCRE1316 | 2026-03-23 09:23 | 2026-03-26 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached VOE that was uploaded to your system. No issues found. - Seller-03/25/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower/ - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached VOE that was uploaded to your system. No issues found. - Seller-03/25/2026<br>| Resolved-Received VVOE. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - Verified assets of 10.44 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 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | 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 | 8262982 |
| XXXX | XXXX | 305078302 D B A | Closed | FCRE1510 | 2026-03-20 15:57 | 2026-03-26 16:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached DOT with Exhibit A. No issues found. - Seller-03/25/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached DOT with Exhibit A. No issues found. - Seller-03/25/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - Verified assets of 10.44 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 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | 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 | 8247733 |
| XXXX | XXXX | 305079384 C B A | Closed | finding-3352 | 2026-03-24 14:27 | 2026-03-25 09:03 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/25/2026 <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. - Due Diligence Vendor-03/24/2026 |  | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>Months Reserves exceed minimum required - Reserves: 31 Min 3 <br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $4,613.62 Min $1500 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8296129 |
| XXXX | XXXX | 305079384 C B A | Closed | FCOM5135 | 2026-03-24 13:51 | 2026-03-24 14:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>Months Reserves exceed minimum required - Reserves: 31 Min 3 <br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $4,613.62 Min $1500 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8294860 |
| XXXX | XXXX | 305078307 C A | Closed | FCRE1506 | 2026-03-24 12:24 | 2026-04-06 12:56 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per the guidelines the file should contain evidence of the child support obl;igation. The child support obligation is evidence on the credit report and wasd included in the DTI calculation. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-04/02/2026 <br> Counter-Credit report date last active is XXXX and closing is XXXX, unable to determine if current and the documentation for child support verification does not meet the guideline requirements. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Please escalate this to management. The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. - Seller-03/30/2026 <br> Counter-Per GL XXXX Child Support, Alimony or Maintenance Obligations - Must be current at the time of application and <br> must be included in the DTI. The loan file should contain supporting documentation (such as a final <br> divorce decree, legal separation agreement or court order) evidencing the obligation. If payments are <br> delinquent, then they must be brought current prior to the loan closing. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/26/2026 <br> Counter-Pending Child support finding - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/24/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of monthly Child support or that the borrower is no longer obligated to pay Child Support since it is reflected on his credit report. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/24/2026 | Ready for Review-Please refer to comments in related finding. - Seller-04/02/2026 <br> Ready for Review-Please escalate this to management. The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. - Seller-03/30/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/26/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/24/2026 | Resolved-Per the guidelines the file should contain evidence of the child support obl;igation. The child support obligation is evidence on the credit report and wasd included in the DTI calculation. - Due Diligence Vendor-04/06/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 55 Borrower has 25.26 Required is 55 Borrower has 26.81<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 800 Required is 700 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8292416 |
| XXXX | XXXX | 305078307 C A | Closed | FCRE1505 | 2026-03-24 12:05 | 2026-04-06 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Per the guidelines the file should contain evidence of the child support obl;igation. The child support obligation is evidence on the credit report and wasd included in the DTI calculation. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Ready for Review-The XXXX Child Support obligation is on the attached credit report which was delivered with the loan file. Any additional proof of the continuance is not required and unwarranted.. This finding needs to be cleared. - Seller-04/02/2026 <br> Counter-Credit report date last active is XXXX and closing is XXXX, unable to determine if current and the documentation for child support verification does not meet the guideline requirements. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Please escalate this to management. The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. - Seller-03/30/2026 <br> Counter-Client has not provided the documentation required per the GL XXXX, missing Child Support, Alimony or Maintenance Obligations - Due Diligence Vendor-03/30/2026 <br> Ready for Review-The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. Please escalate and clear this finding. - Seller-03/26/2026 <br> Counter-No document provided. Review of loan file did not reveal documents needed to meet XXXX guideline- Child Support, Alimony or Maintenance Obligations - Must be current at the time of application and must be included in the DTI. The loan file should contain supporting documentation (such as a final divorce decree, legal separation agreement or court order) evidencing the obligation. If payments are delinquent, then they must be brought current prior to the loan closing. <br> • Child Support, Alimony or Maintenance Obligations may be excluded if payments are less than 10 months.- Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-The loan approval and final DTI included the XXXX Child Support obligation payments. Any additional proof of the continuance is not required and unwarranted. - Seller-03/24/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Missing proof of Child Support that is reflected on credit. Need proof if it still continues with a monthly payment or no longer is required to be paid. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Ready for Review-The XXXX Child Support obligation is on the attached credit report which was delivered with the loan file. Any additional proof of the continuance is not required and unwarranted.. This finding needs to be cleared. - Seller-04/02/2026 <br> Ready for Review-Please escalate this to management. The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. - Seller-03/30/2026 <br> Ready for Review-The XXXX Child Support obligation is on the credit report delivered with the loan file. Any additional proof is not required and unwarranted. Please escalate and clear this finding. - Seller-03/26/2026 <br> Ready for Review-The loan approval and final DTI included theXXXX Child Support obligation payments. Any additional proof of the continuance is not required and unwarranted. - Seller-03/24/2026 | Resolved-Per the guidelines the file should contain evidence of the child support obl;igation. The child support obligation is evidence on the credit report and wasd included in the DTI calculation. - Due Diligence Vendor-04/06/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 55 Borrower has 25.26 Required is 55 Borrower has 26.81<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 800 Required is 700 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8292002 |
| XXXX | XXXX | 305078307 C A | Closed | FCRE9995 | 2026-03-24 13:28 | 2026-03-26 15:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Business Narrative Missing or has issues | Resolved-Received Business Narrative - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Please se attached. - Seller-03/24/2026 <br>Open-Business Narrative Missing or has issues. Missing copy of the Business Narrative for company. - Due Diligence Vendor-03/24/2026 | Ready for Review-Please se attached. - Seller-03/24/2026<br>| Resolved-Received Business Narrative - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 55 Borrower has 25.26 Required is 55 Borrower has 26.81<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 800 Required is 700 Borrower has 800 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8294015 |
| XXXX | XXXX | 305078333 D A | Closed | FCRE1479 | 2026-03-23 19:26 | 2026-03-30 17:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-After further review, the date of the bank statements was corrected to XXXX. - Due Diligence Vendor-03/30/2026 <br> Counter-Application date is XXXX. Guidelines require assets to be dated within 30 days of the application date. Most recent statement in file for account XXXX is dated XXXX. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. The asset statement provided reflects a date format consistent with Israeli standards, which follow a day–month–year structure.<br> The statement showing XXXX to XXXX translates to XXXX through XXXX in U.S. date format. As such, this represents a recent and valid statement that aligns with the subject closing date of XXXX.<br> Please review the statement with this date format clarification. No discrepancies are noted.<br> - Seller-03/26/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Asset statement is from XXXX - XXXX. subject closing XXXX. Provide valid recent statement. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. The asset statement provided reflects a date format consistent with XXXX standards, which follow a day–month–year structure.<br> The statement showing XXXX to XXXX translates to XXXX through XXXX in U.S. date format. As such, this represents a recent and valid statement that aligns with the subject closing date of XXXX.<br> Please review the statement with this date format clarification. No discrepancies are noted.<br> - Seller-03/26/2026 | Resolved-After further review, the date of the bank statements was corrected to XXXX. - Due Diligence Vendor-03/30/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 25+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8276636 |
| XXXX | XXXX | 305078333 D A | Closed | FCOM1227 | 2026-03-23 18:49 | 2026-03-30 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with PUD rider. No issues found. - Seller-03/26/2026 <br>Counter-Received PUD rider. Please provide complete chain to confirm recorded with DOT. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached PUD Rider that was uploaded to your system. No issues found. - Seller-03/25/2026 <br>Open-PUD Rider is Missing Missing from loan file - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with PUD rider. No issues found. - Seller-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached PUD Rider that was uploaded to your system. No issues found. - Seller-03/25/2026<br>| Resolved-Received PUD Rider. - Due Diligence Vendor-03/30/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 25+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8276199 |
| XXXX | XXXX | 305078365 C A | Closed | FCRE0970 | 2026-03-24 13:26 | 2026-03-26 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received complete Appraisal. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Complete Full Appraisal report that was uploaded to your system. No issues found. - Seller-03/25/2026 <br>Open-Appraisal is missing signature and pictures. Provide full complete appraisal. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached Complete Full Appraisal report that was uploaded to your system. No issues found. - Seller-03/25/2026<br>| Resolved-Received complete Appraisal. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 690 Required is 640 Borrower has 690<br>LTV is less than guideline maximum - Max LTV is 75 Borrower has 65 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8293975 |
| XXXX | XXXX | 305078365 C A | Closed | FCRE1510 | 2026-03-23 16:32 | 2026-03-26 16:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. No issues found. - Seller-03/25/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A (Legal Description) from the Mortgage (Deed of Trust). - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. No issues found. - Seller-03/25/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 690 Required is 640 Borrower has 690<br>LTV is less than guideline maximum - Max LTV is 75 Borrower has 65 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8273997 |
| XXXX | XXXX | 305078354 D A C | Closed | FCRE1440 | 2026-03-24 18:57 | 2026-03-26 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOR with rental history for the most recent 12 months for current resident XXXX. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 723 which exceeds the minimum of 680 Required is 680 Borrower has 723<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8303114 |
| XXXX | XXXX | 305078354 D A C | Closed | FPRO1250 | 2026-03-24 18:08 | 2026-03-26 15:39 | Resolved | 1 - Information C A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved-Primary Value Valuation Property Condition Rating Meets Program Requirements - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Disagree, C5 and C6 ratings do not apply to this Commercial Property see attached correct guidelines. The subject Commercial 6 unit property meets the minimum requirements as defined in DSCR guidelines section XXXX. The initial concerns on the appraisal report provided also has a 1004D which verifies all said concerns as completed and all Stie ratings are marked as average, makes the property condition now meet the DSCR guidelines section XXXX. The property meets the minimum requirements as defined in DSCR guidelines section XXXX Please expedite this to be cleared as soon as possible - Seller-03/25/2026 <br> Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements Per Appraisal report-The subject property is in below average condition. C5 and C6 are ineligible property types. Need exception. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Disagree, C5 and C6 ratings do not apply to this Commercial Property see attached correct guidelines. The subject Commercial 6 unit property meets the minimum requirements as defined in DSCR guidelines section XXXX. The initial concerns on the appraisal report provided also has a 1004D which verifies all said concerns as completed and all Stie ratings are marked as average, makes the property condition now meet the DSCR guidelines section XXXX. The property meets the minimum requirements as defined in DSCR guidelines section XXXX. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 | Resolved-Primary Value Valuation Property Condition Rating Meets Program Requirements - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 723 which exceeds the minimum of 680 Required is 680 Borrower has 723<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8302435 |
| XXXX | XXXX | 305078354 D A C | Closed | FPRO1242 | 2026-03-24 18:37 | 2026-03-26 15:39 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received BPO. Value supported. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026 <br>Open-Appraisal is Missing Subject is a Multifamily and Require an additional Appraisal or a Commercial Exterior Only Broker Price Opinion (BPO) . - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026<br>| Resolved-Received BPO. Value supported. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 723 which exceeds the minimum of 680 Required is 680 Borrower has 723<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8302812 |
| XXXX | XXXX | 305078291 D B C A | Closed | FCRE1440 | 2026-03-24 14:22 | 2026-03-26 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received summary with 12 months proof of rent. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide complete 12 months of rental history for the current primary. Only most current 3 months payments provided on bank statements. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026<br>| Resolved-Received summary with 12 months proof of rent. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.93 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8296005 |
| XXXX | XXXX | 305078291 D B C A | Closed | finding-3352 | 2026-03-24 07:42 | 2026-03-26 11:40 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026 <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. - Due Diligence Vendor-03/24/2026 |  | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.93 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8284135 |
| XXXX | XXXX | 305078291 D B C A | Closed | FCOM1231 | 2026-03-24 07:17 | 2026-03-25 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Rec'd Initial 1003 (application) - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br>Open-The Initial 1003 is Missing The Initial 1003 is missing from loan file. Please provide. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026<br>| Resolved-Rec'd Initial 1003 (application) - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.93 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8283893 |
| XXXX | XXXX | 305078316 D B A C | Closed | FCRE1325 | 2026-03-25 09:07 | 2026-03-27 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received documentation to support Good Standing. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX dated verification Open, Active, and Good standing status. - Seller-03/25/2026 <br> Open-Borrower 1 CPA Letter Missing The CPA indicates the borrower is the Sole Owner of XXXX. However, he loan file is missing if business is currently open and active. Additional conditions may apply, pending review. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Please see attached XXXX dated verification Open, Active, and Good standing status. - Seller-03/25/2026 | Resolved-Received documentation to support Good Standing. - Due Diligence Vendor-03/27/2026<br>| Months Reserves exceed minimum required - Min reserves required 0 months. Borrower has 15.49 months. <br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 39.38 Required is 50.49 Borrower has 39.38 |  | 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 | 8309682 |
| XXXX | XXXX | 305078316 D B A C | Closed | FCRE1334 | 2026-03-25 13:08 | 2026-03-27 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Upon further review, document is not required for non-standard income verification. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. The 4506C Form is not a required document per XXXX Alt Doc – P&L Only \*\*\* not a required document, only required for full docs income loan types so not applicable for subject loan product - Seller-03/25/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. The 4506C Form is not a required document per XXXX Alt Doc – P&L Only \*\*\* not a required document, only required for full docs income loan types so not applicable for subject loan product - Seller-03/25/2026 | Resolved-Upon further review, document is not required for non-standard income verification. - Due Diligence Vendor-03/27/2026<br>| Months Reserves exceed minimum required - Min reserves required 0 months. Borrower has 15.49 months. <br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 39.38 Required is 50.49 Borrower has 39.38 |  | 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 | 8316098 |
| XXXX | XXXX | 305078316 D B A C | Closed | FCOM0013 | 2026-03-25 07:10 | 2026-03-27 12:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd E-Consent Agreement acknowledged by borrower XXXX. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-03/25/2026 <br> Open-Missing e-Consent. Missing e-consent - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. please see attached - Seller-03/25/2026<br>| Resolved-Rec'd E-Consent Agreement acknowledged by borrower XXXX. - Due Diligence Vendor-03/27/2026 | Months Reserves exceed minimum required - Min reserves required 0 months. Borrower has 15.49 months. <br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 39.38 Required is 50.49 Borrower has 39.38 |  | 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 | 8308180 |
| XXXX | XXXX | 305078316 D B A C | Closed | finding-3352 | 2026-03-24 14:01 | 2026-03-26 09:44 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/26/2026 <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. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section XXXX, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived. - Seller-03/25/2026 | Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section XXXX, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived. - Seller-03/25/2026 | Waived-Originator waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - Min reserves required 0 months. Borrower has 15.49 months. <br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 39.38 Required is 50.49 Borrower has 39.38 |  |  | 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 | 8295346 |
| XXXX | XXXX | 305078289 D A | Closed | FCRE8712 | 2026-03-24 14:15 | 2026-04-01 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Received all required documentation. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-We disagree. The Housing Provider (the borrower) was to receive $28,673, which was the amount received and documented in the previous attachment. The Tenant's Broker was to $2,070 and the Housing Provider's Broker (the borrower's broker) was to receive $4,140. Please escalate and clear this finding. - Seller-03/30/2026 <br> Counter-Received Lender comment and lease. Lease section 43c indicate $28,673, $4140, and $2070 due XXXX. Finding remains. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. According to page 7, section 43 C of attached lease agreement, the Housing Provider (our borrower) was to receive $28,673.00, which is the amount supported by the previously attached document. - Seller-03/26/2026 <br> Counter-Received Cashiers check for $28,673.00 however the total amount due for the 1st months rent and security deposit is $34,883.00. Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br> Open-Property C: Provide proof of Security Deposit & 1st month Rent, new lease in file w. start date XXXX. - Due Diligence Vendor-03/24/2026 | Ready for Review-We disagree. The Housing Provider (the borrower) was to receive $28,673, which was the amount received and documented in the previous attachment. The Tenant's Broker was to $2,070 and the Housing Provider's Broker (the borrower's broker) was to receive $4,140. Please escalate and clear this finding. - Seller-03/30/2026 <br>Ready for Review-Document Uploaded. According to page 7, section 43 C of attached lease agreement, the Housing Provider (our borrower) was to receive $28,673.00, which is the amount supported by the previously attached document. - Seller-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026<br>| Resolved-Received all required documentation. - Due Diligence Vendor-04/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.88 Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8295767 |
| XXXX | XXXX | 305078289 D A | Closed | FCRE9992 | 2026-03-24 14:13 | 2026-03-26 16:28 | Resolved | 1 - Information C A | Credit | Income/Employment | Expense letter missing | Resolved-Received EA letter. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached initial EA Letter including the expense factor. - Seller-03/25/2026 <br>Open-Provide EA Letter verifying Expense Factor of 30% used in qualifying. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached initial EA Letter including the expense factor. - Seller-03/25/2026<br>| Resolved-Received EA letter. - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.88 Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 753 Required is 720 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8295716 |
| XXXX | XXXX | 305078361 C B A | Closed | FCRE1440 | 2026-03-25 15:46 | 2026-04-09 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support fixed rate loan and payment history. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. The XXXX loan is a I/O fixed rate CES. Also as evidenced on the attached statement there were no draws further supporting that this was a CES. - Seller-04/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing payment history on 2nd mortgage paid off at closing AND verification that lien is a closed-end 2nd lien (to consider transaction a Rate/Term refinance) - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Please see attached. The XXXX loan is a I/O fixed rate CES. Also as evidenced on the attached statement there were no draws further supporting that this was a CES. - Seller-04/07/2026 | Resolved-Received documentation to support fixed rate loan and payment history. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.37<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | 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 | 8319401 |
| XXXX | XXXX | 305078361 C B A | Closed | FCRE1198 | 2026-03-25 16:07 | 2026-04-01 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Per GL XXXX Max cash back of the greater of 1% of the new loan amount or $2,000 - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Per XXXX Guidelines, 3.2 Rate/Term Refinance, the Max cash back is the "greater" of 1% of the new loan amount or $2,000. Therefore, the proceeds are eligible. - Seller-03/30/2026 <br> Counter-Received copy of CD reflecting cash back to borrower exceed 1% of new loan amount or $2,000. Must meet guidelines XXXX for rate term refi. Original condition remains. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached final CD, the borrower received $15,039.62 at closing which can be used toward the reserves requirements. - Seller-03/26/2026 <br> Open-Audited Reserves of 8.78 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-03/25/2026 | Ready for Review-Per XXXX Guidelines, 3.2 Rate/Term Refinance, the Max cash back is the "greater" of 1% of the new loan amount or $2,000. Therefore, the proceeds are eligible. - Seller-03/30/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the attached final CD, the borrower received $15,039.62 at closing which can be used toward the reserves requirements. - Seller-03/26/2026 | Resolved-Per GL 3.2 Max cash back of the greater of 1% of the new loan amount or $2,000 - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.37<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | 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 | 8319828 |
| XXXX | XXXX | 305078361 C B A | Closed | finding-3540 | 2026-03-24 15:37 | 2026-03-30 11:09 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received notice CD sent to title company for review. Finding Resolved. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. THERE WAS NO CD SENT TO THE BORROWER ON XXXX. THAT CD WAS SENT TO ESCROW FOR BALANCING. DISCLOSURE TRACKING ATTACHED - Seller-03/26/2026 <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. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. THERE WAS NO CD SENT TO THE BORROWER ON XXXX. THAT CD WAS SENT TO ESCROW FOR BALANCING. DISCLOSURE TRACKING ATTACHED - Seller-03/26/2026 | Resolved-Received notice CD sent to title company for review. Finding Resolved. - Due Diligence Vendor-03/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.37<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | 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 | 8298023 |
| XXXX | XXXX | 305078361 C B A | Closed | FCOM0013 | 2026-03-24 15:03 | 2026-03-27 12:27 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd borrower's acknowledgment of e-consent. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026 <br>Open-Missing e-Consent. ----- Missing e-Consent. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/26/2026<br>| Resolved-Rec'd borrower's acknowledgment of e-consent. - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.37<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | 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 | 8297133 |
| XXXX | XXXX | 305078361 C B A | Closed | FCRE1491 | 2026-03-25 15:50 | 2026-03-25 16:09 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material as client will allow - Due Diligence Vendor-03/25/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Exception in file to use business funds for reserves<br> - Due Diligence Vendor-03/25/2026 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material as client will allow - Due Diligence Vendor-03/25/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.37<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 | 5 years at primary<br> 12 years self employed in same line <br> 30 mtg AA last 24<br> 30 yrs on job |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8319471 |
| XXXX | XXXX | 305082116 C A | Closed | FCRE1506 | 2026-03-25 12:05 | 2026-03-27 16:54 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/25/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of receipt of the security deposit and proof of the first month's rent deposited to borrower's account for departure residence. Upon receipt ATR/QM maybe able to be determined. Additional conditions maybe required. - Due Diligence Vendor-03/25/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/25/2026<br>| Resolved-Received missing credit documentation. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 810 Required is 720 Borrower has 812<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 26.2 Required is 50 Borrower has 26.2 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8314624 |
| XXXX | XXXX | 305082116 C A | Closed | FCRE1293 | 2026-03-25 13:31 | 2026-03-27 16:53 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received Security Deposit and 1st months rent. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br>Open-Income 2 Months Income Verified is Missing Missing verification of receipt of the security deposit and proof of the first month's rent deposited to borrower's account for departure residence. (Property 3a). Upon receipt additional conditions may apply. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026<br>| Resolved-Received Security Deposit and 1st months rent. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 810 Required is 720 Borrower has 812<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 26.2 Required is 50 Borrower has 26.2 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8316596 |
| XXXX | XXXX | 305082116 C A | Closed | FCRE8525 | 2026-03-25 11:22 | 2026-03-27 16:49 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2nd Full Appraisal. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026 <br>Open-Two or more full valuation products were not provided.' Missing a second appraisal full valuation as required for loan amounts greater than $2,000,000. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/25/2026<br>| Resolved-Received 2nd Full Appraisal. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 810 Required is 720 Borrower has 812<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 26.2 Required is 50 Borrower has 26.2 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8313095 |
| XXXX | XXXX | 305078315 D B A C | Closed | finding-3352 | 2026-03-24 17:57 | 2026-04-16 09:29 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/26/2026 <br>Waived-Waived to non-material, loan has a full appraisal and escrows. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has a full appraisal and escrows. - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - Min 6, actual 23<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 36.11 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8302095 |
| XXXX | XXXX | 305078315 D B A C | Closed | FPRO1242 | 2026-03-26 10:52 | 2026-04-15 13:02 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Per Field Review - Property Listed for Sale for XXXX - Removed XXXX- confirmed with XXXX. Per guidelines - If property was listed for sale within the past 3 months, the lower of the appraised value or listing price to be used. Using Lower List Price as Value. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Please note that the XXXX value was used due to the CDA showing that the property had been listed on XXXX and removed on XXXX. Value was based on the listed value as it was removed right before the application date. We also note that the CDA, AVM and Field Review are all within 10% of the Appraised Value, therefore, the value used to qualify the loan is supported. Please clear this condition. - Seller-04/15/2026 <br> Counter-TPR are not licensed appraisers. If Lender wants to use a reconciliation value based on multiple products, a third party Vendor will need to provide an actual Reconciliation report which will provide the value to be used. Provide a Reconciliation report from a third party Vendor such as XXXX to resolve this issue. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-The reconciled value of XXXX is fully supported in the loan file. Multiple valuation sources—the original appraisal (XXXX), CDA (XXXX), Field Review (XXXX), and AVM (XXXX)—were reviewed and reconciled per XXXX and XXXX guidelines. The reconciliation appropriately weighted the appraisal and CDA, considered the Field Review and AVM, and resulted in a value within the range of all indications. As documented in the loan file valuation section and Final Closing Disclosure dated XXXX, this reconciled value supports the 80% LTV, and no separate reconciliation report is required. Please clear this finding. - Seller-04/04/2026 <br> Counter-Per the lender a recondiled value of XXXX was used to determine the LTV. Missding the reconciliation report to supportt he reconciled value of XXXX. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. The subject loan file contains multiple valuation sources, all of which were reviewed and reconciled in accordance with established collateral underwriting standards, including guidance from XXXX and XXXX.<br> The valuation documents included in the file are as follows:<br> • Original appraisal dated XXXX with an opinion of value of XXXX<br> • Collateral Desktop Analysis (CDA) dated XXXX supporting a value of XXXX<br> • Field Review dated XXXX indicating a value of XXXX<br> • Automated Valuation Model (AVM) dated XXXX indicating a value of XXXX with 95% confidence<br> The original appraisal is supported by an independent CDA at the same value, providing two consistent and contemporaneous indications of value at XXXX. The Field Review presents a lower value; however, as a review product, it serves to identify potential variance and does not independently supersede the original appraisal.<br> Consistent with agency guidelines, when multiple valuation products present differing conclusions, a reconciliation of value is both appropriate and required. In this case, all valuation inputs were considered, and a final reconciled value of XXXX was determined.<br> This reconciled value:<br> • Falls within the range of all valuation outputs<br> • Reflects appropriate weighting of the original appraisal and supporting CDA<br> • Incorporates consideration of the Field Review without over-reliance on a single lower indication<br> • Remains supported relative to the AVM, which serves as a secondary risk benchmark<br> The final value conclusion of XXXX is reasonable, well-supported, and within acceptable tolerance of all valuation inputs. The resulting loan structure, including a loan amount of XXXX at 80% LTV as reflected on the Final Closing Disclosure dated XXXX, is consistent with this reconciled value.<br> No material deficiencies in the original appraisal were identified that would warrant full replacement by the Field Review. As such, the reconciliation approach applied is compliant with standard underwriting practices and investor expectations.<br> The valuation methodology, supporting documentation, and final value conclusion are adequately supported within the file.<br> Accordingly, this condition is considered satisfied. Please clear this finding. <br>- Seller-03/27/2026 <br> Open-Missding the original appraisal, upon receipt of appraisal the field review and desk review need to be re-reviewed to confirm they support the original appraised value. - Due Diligence Vendor-03/26/2026 <br> Open-Appraisal is Missing - Due Diligence Vendor-03/26/2026 | Ready for Review-Please note that the XXXX value was used due to the CDA showing that the property had been listed on XXXX and removed on XXXX. Value was based on the listed value as it was removed right before the application date. We also note that the CDA, AVM and Field Review are all within 10% of the Appraised Value, therefore, the value used to qualify the loan is supported. Please clear this condition. - Seller-04/15/2026 <br> Ready for Review-The reconciled value of XXXX is fully supported in the loan file. Multiple valuation sources—the original appraisal (XXXX), CDA (XXXX), Field Review (XXXX), and AVM (XXXX)—were reviewed and reconciled per XXXX and XXXX guidelines. The reconciliation appropriately weighted the appraisal and CDA, considered the Field Review and AVM, and resulted in a value within the range of all indications. As documented in the loan file valuation section and Final Closing Disclosure dated XXXX, this reconciled value supports the 80% LTV, and no separate reconciliation report is required. Please clear this finding. - Seller-04/04/2026 <br> Ready for Review-Document Uploaded. The subject loan file contains multiple valuation sources, all of which were reviewed and reconciled in accordance with established collateral underwriting standards, including guidance from XXXX and XXXX.<br> The valuation documents included in the file are as follows:<br> • Original appraisal dated XXXX with an opinion of value of XXXX<br> • Collateral Desktop Analysis (CDA) dated XXXX supporting a value of XXXX<br> • Field Review dated XXXX indicating a value of XXXX<br> • Automated Valuation Model (AVM) dated XXXX indicating a value of XXXX with 95% confidence<br> The original appraisal is supported by an independent CDA at the same value, providing two consistent and contemporaneous indications of value at XXXX. The Field Review presents a lower value; however, as a review product, it serves to identify potential variance and does not independently supersede the original appraisal.<br> Consistent with agency guidelines, when multiple valuation products present differing conclusions, a reconciliation of value is both appropriate and required. In this case, all valuation inputs were considered, and a final reconciled value of XXXX was determined.<br> This reconciled value:<br> • Falls within the range of all valuation outputs<br> • Reflects appropriate weighting of the original appraisal and supporting CDA<br> • Incorporates consideration of the Field Review without over-reliance on a single lower indication<br> • Remains supported relative to the AVM, which serves as a secondary risk benchmark<br> The final value conclusion of XXXX is reasonable, well-supported, and within acceptable tolerance of all valuation inputs. The resulting loan structure, including a loan amount of XXXX at 80% LTV as reflected on the Final Closing Disclosure dated XXXX, is consistent with this reconciled value.<br> No material deficiencies in the original appraisal were identified that would warrant full replacement by the Field Review. As such, the reconciliation approach applied is compliant with standard underwriting practices and investor expectations.<br> The valuation methodology, supporting documentation, and final value conclusion are adequately supported within the file.<br> Accordingly, this condition is considered satisfied. Please clear this finding. <br>- Seller-03/27/2026 | Resolved-Per Field Review - Property Listed for Sale for XXXX - Removed XXXX- confirmed with XXXX. Per guidelines - If property was listed for sale within the past 3 months, the lower of the appraised value or listing price to be used. Using Lower List Price as Value. - Due Diligence Vendor-04/15/2026 | Months Reserves exceed minimum required - Min 6, actual 23<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 36.11 |  | 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 | 8335420 |
| XXXX | XXXX | 305078357 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE1506 | 2026-03-28 22:01 | 2026-05-21 11:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached VOM shows never late - Seller-04/01/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ability to repay as mortgage history for subject property is missing. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. Please see attached VOM shows never late - Seller-04/01/2026<br>| Resolved-Received missing credit documentation. - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372801 |
| XXXX | XXXX | 305078358 D A C | Closed | finding-3634 | 2026-04-01 13:39 | 2026-04-03 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender credit on Final CD for $2,181.00. - Due Diligence Vendor-04/01/2026 |  | Resolved-Lender credit on Final CD for $2,181.00. - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  |  | 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 | 8434490 |
| XXXX | XXXX | 305078358 D A C | Closed | finding-3635 | 2026-04-01 13:39 | 2026-04-03 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. The municipal lien fee was moved to the correct Block. There was a $2181 cure done on the final CD. Please advise of new cure amount, if any. CD attached - Seller-04/01/2026 <br> Open-\*\*\*\*\*NEW\*\*\*\*\*Ten (10%) tolerance fees (Municipal Lien Fee and Recording Fee) increased by $113.20 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 $2.70, 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. Remained of lender credit is $110.50, which is not enough to cure the #113.20 finding.<br> - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. The municipal lien fee was moved to the correct Block. There was a $2181 cure done on the final CD. Please advise of new cure amount, if any. CD attached - Seller-04/01/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-04/03/2026 | LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8434492 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE1145 | 2026-03-28 20:38 | 2026-04-02 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026 <br>Open-Title Document is missing Missing title commitment for subject property. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026<br>| Resolved-Received commitment. - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372771 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE1316 | 2026-03-28 21:30 | 2026-04-02 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX CPA verified <60 days of Note closed XXXX - Seller-04/01/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. Please see attached XXXX CPA verified <60 days of Note closed XXXX - Seller-04/01/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372786 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE1325 | 2026-03-28 21:30 | 2026-04-02 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX CPA verified <60 days of Note closed XXXX - Seller-04/01/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter to verify borrower's employment. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. Please see attached XXXX CPA verified <60 days of Note closed XXXX - Seller-04/01/2026 | Resolved-Received CPA Letter - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372787 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE0044 | 2026-03-28 22:00 | 2026-04-02 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit report, no inquiries on the report or gap report. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. See credit report shows inquiries as \*\*\* NONE \*\*\* - Seller-04/01/2026 <br>Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. See credit report shows inquiries as \*\*\* NONE \*\*\* - Seller-04/01/2026<br>| Resolved-Received credit report, no inquiries on the report or gap report. - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372799 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE1440 | 2026-03-28 21:49 | 2026-04-02 13:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached VOM shows never late - Seller-04/01/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for subject property. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. Please see attached VOM shows never late - Seller-04/01/2026<br>| Resolved-Received VOM - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372795 |
| XXXX | XXXX | 305078358 D A C | Closed | FCRE5770 | 2026-03-28 21:49 | 2026-04-02 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Please see attached - Seller-04/01/2026 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report for borrower. FICOs taken from loan approval - Due Diligence Vendor-03/29/2026 | Ready for Review-Please see attached - Seller-04/01/2026<br>| Resolved-Received Credit Report. - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8372796 |
| XXXX | XXXX | 305078358 D A C | Closed | FCOM3957 | 2026-03-27 08:22 | 2026-04-01 13:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026 <br> Open-Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026<br>| Resolved-Received LE dated XXXX. Finding Resolved. - Due Diligence Vendor-04/01/2026 | LTV is less than guideline maximum - LTV of 47.07% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 47.07<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 682 which exceeds the minimum of 660 Required is 620 Borrower has 682 |  | 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 | 8356263 |
| XXXX | XXXX | 305078366 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305087358 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305087222 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1355 | 2026-03-30 10:47 | 2026-04-09 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-CPA letter not required. Documentation in file showing business is active. - Due Diligence Vendor-04/09/2026 <br> Counter-Upon further review of GL XXXX, there is no mention of how to verify business. Finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Ready for Review-We respectfully disagree. Per XXXX invoices to support VVOE for self employed can be used. Please escalate and clear the finding accordingly. - Seller-04/06/2026 <br> Counter-Finding remains. per GL XXXX Schedule C/Sole Proprietor<br> o Borrower must provide a CPA Letter. It must indicate self-employed history and that the <br> borrower is a Schedule C/Sole Proprietor<br> • Third Party verification that the business in in existence and in good standing is required<br> • - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached recent invoices to support VVOE for B2 per XXXX. - Seller-04/02/2026 <br> Counter-XXXX of the guidelines state - Schedule C/Sole Proprietor o Borrower must provide a CPA Letter. It must indicate self-employed history and that the borrower is a Schedule C/Sole Proprietor - Due Diligence Vendor-04/01/2026 <br> Ready for Review-The subject is a 1-year Full Doc income verification. The loan file included delivered loan file included 1040's, W2s, and transcripts. CPA letter is not required. - Seller-03/30/2026 <br> Open-Borrower 2 CPA Letter Missing Missing Borrower 2 CPA Letter. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Ready for Review-We respectfully disagree. Per XXXX invoices to support VVOE for self employed can be used. Please escalate and clear the finding accordingly. - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached recent invoices to support VVOE for B2 per XXXX. - Seller-04/02/2026 <br> Ready for Review-The subject is a 1-year Full Doc income verification. The loan file included delivered loan file included 1040's, W2s, and transcripts. CPA letter is not required. - Seller-03/30/2026 | Resolved-CPA letter not required. Documentation in file showing business is active. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8384152 |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1325 | 2026-03-30 10:47 | 2026-04-09 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter not required. - Due Diligence Vendor-04/09/2026 <br> Counter-Upon reviewing GL XXXX, it does not mention how to verify the business. Finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The guidelines being referenced in the counter are for XXXX/Alt Doc income documentation loans. The subject is a 1 year full doc income documentation transaction. Therefore, section XXXX Self-Employment Income guidelines would apply, which do NOT require a CPA letter. - Seller-04/06/2026 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The guidelines being referenced in the counter are for XXXX/Alt Doc income documentation loans. The subject is a 1 year full doc income documentation transaction. Therefore, section XXXX Self-Employment Income guidelines would apply, which do NOT require a CPA letter. - Seller-04/06/2026 <br> Counter-Finding remains. Per GL XXXX CPA Verification:If the borrower's business is registered as a multi-member LLC/Corporation/Partnership then <br> the borrower must provide Articles of Incorporation and most recent filing with Secretary of <br> State and CPA Letter/Operating Agreement/Corporate Bylaws with Ownership Breakdown or <br> Addendum - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Per 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: Third Party verification that the business in in existence and in good standing is required. As such the VVOE provided is sufficient verification. - Seller-04/02/2026 <br> Counter-XXXX of the guidelines state - If the borrower's business is registered as a multi-member LLC/Corporation/Partnership then the borrower must provide Articles of Incorporation and most recent filing with Secretary of State and CPA Letter/Operating Agreement/Corporate Bylaws with Ownership Breakdown orAddendum - Due Diligence Vendor-04/01/2026 <br> Ready for Review-The subject is a 1-year Full Doc income verification. The loan file included delivered loan file included 1040's, W2s, and transcripts. CPA letter is not required. - Seller-03/30/2026 <br> Open-Borrower 1 CPA Letter Missing Missing Borrower 1 CPA Letter. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/30/2026 | Ready for Review-The guidelines being referenced in the counter are for XXXX/Alt Doc income documentation loans. The subject is a 1 year full doc income documentation transaction. Therefore, section XXXX Self-Employment Income guidelines would apply, which do NOT require a CPA letter. - Seller-04/06/2026 <br> Ready for Review-The guidelines being referenced in the counter are for XXXX/Alt Doc income documentation loans. The subject is a 1 year full doc income documentation transaction. Therefore, section XXXX Self-Employment Income guidelines would apply, which do NOT require a CPA letter. - Seller-04/06/2026 <br> Ready for Review-Per 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: Third Party verification that the business in in existence and in good standing is required. As such the VVOE provided is sufficient verification. - Seller-04/02/2026 <br> Ready for Review-The subject is a 1-year Full Doc income verification. The loan file included delivered loan file included 1040's, W2s, and transcripts. CPA letter is not required. - Seller-03/30/2026 | Resolved-CPA letter not required. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8384151 |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1193 | 2026-03-30 12:02 | 2026-04-06 14:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waived to non-material with comnp factors. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br> Counter-It appears the lender utilized 70% of the XXXX asset depletion, however the borrowers are under 59 1/2 and 50% utilization is required. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please refer to the UW comments on the attached 1008: "Asset utilization- B1 $3265.73/mo- B2 $560.56/mo- (XXXX balances x 70%)/60 mos" - Seller-03/30/2026 <br> Open-Audited DTI of 50.96% exceeds Guideline DTI of 50% Missing Income Calculation Worksheet for the Assets Utilization to determine accurate income for XXXX assets for the borrowers under the age of 59 1/2. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br> Ready for Review-Document Uploaded. Please refer to the UW comments on the attached 1008: "Asset utilization- B1 $3265.73/mo- B2 $560.56/mo- (XXXX balances x 70%)/60 mos" - Seller-03/30/2026 | Waived-Waived to non-material with comnp factors. - Due Diligence Vendor-04/06/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 | 25 years on the job, 797 fico, credit AA, 9 years at residence | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8386364 |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1506 | 2026-03-30 15:45 | 2026-04-06 14:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received the exception form to all for use of 70% of the retirement account for asset utilization. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br> Counter-It appears the lender utilized 70% of the XXXX asset depletion, however the borrowers are under 59 1/2 and 50% utilization is required. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-03/30/2026 <br> Open-Missing Income Calculation Worksheet for the Assets Utilization to determine accurate income for XXXX assets for the borrowers under the age of 59 1/2. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br>Ready for Review-Document Uploaded. - Seller-03/30/2026<br>| Resolved-Received the exception form to all for use of 70% of the retirement account for asset utilization. - Due Diligence Vendor-04/06/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8391863 |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1316 | 2026-03-30 10:46 | 2026-04-06 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for both borrowers. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached recent invoices to support VVOE for B2 per XXXX. - Seller-04/02/2026 <br>Counter-The work number for B1 provided, please provide the VVOE for B2. - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/30/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal Verification of Employment for each borrower. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see attached recent invoices to support VVOE for B2 per XXXX. - Seller-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/30/2026<br>| Resolved-Received VVOE for both borrowers. - Due Diligence Vendor-04/03/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8384125 |
| XXXX | XXXX | 305087252 D B C A | Closed | FCRE1470 | 2026-03-30 11:08 | 2026-04-01 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Upon further review, closing cost were lower than estimated. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-XXXX Guideline state that the Gift Letter can show the Specific amount or the maximum dollar amount of the gift. Since the Gift Letter showed the Donor would gift a maximum amount of $470,000, and the gift received was less, the letter would not have to be updated to the Lesser Amount. - Seller-03/30/2026 <br> Open-Asset 4 Missing Missing a corrected Gift Letter in the amount of $435,149.00. Upon receipt additional information maybe required. - Due Diligence Vendor-03/30/2026 | Ready for Review-XXXX Guideline state that the Gift Letter can show the Specific amount or the maximum dollar amount of the gift. Since the Gift Letter showed the Donor would gift a maximum amount of $470,000, and the gift received was less, the letter would not have to be updated to the Lesser Amount. - Seller-03/30/2026<br>| Resolved-Upon further review, closing cost were lower than estimated. - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8384535 |
| XXXX | XXXX | 305087252 D B C A | Closed | finding-3652 | 2026-03-27 14:04 | 2026-04-01 10:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received Explanation from lender that credit decreased due to the lock, but was not notated on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. LOCKED LE AND COC UPLOADED<br> EXPLANTION <br> LOCK - Seller-03/31/2026 <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 ($10,933.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,080.00). 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 $15,080 to $10,933 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $4,147.00, 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. COC in file does not state the amount or what the reason was for decrease in lender credit on LE issued XXXX. Provide COC with reason and amount. Additional findings may apply upon receipt.<br> - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. LOCKED LE AND COC UPLOADED<br> EXPLANTION <br> LOCK - Seller-03/31/2026<br>| Resolved-Received Explanation from lender that credit decreased due to the lock, but was not notated on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797 Required is 680 Borrower has 797 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8364290 |
| XXXX | XXXX | 305087296 D B C A | Closed | FCRE1151 | 2026-04-01 09:20 | 2026-04-03 14:44 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026 <br>Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-04/03/2026<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 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.89 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8425638 |
| XXXX | XXXX | 305087296 D B C A | Closed | FCRE5790 | 2026-04-01 10:35 | 2026-04-03 14:43 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM was started originally on XXXX, updated XXXX. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. XXXX updated XXXXand Loan Closes XXXX, does suffice. Please see attached - Seller-04/02/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded.XXXX updated XXXX and Loan Closes XXXX, does suffice. Please see attached - Seller-04/02/2026 | Resolved-UDM was started originally on XXXX, updated XXXX. - Due Diligence Vendor-04/03/2026 | 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 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.89 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8428108 |
| XXXX | XXXX | 305087296 D B C A | Closed | FCOM2630 | 2026-03-27 13:39 | 2026-04-03 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File -----Right To Choose Attorney or Attorney Preference Not in File and Loan is a Higher-Priced Mortgage Loan - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026<br>| Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-04/03/2026<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 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.89 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8363725 |
| XXXX | XXXX | 305087296 D B C A | Closed | finding-3352 | 2026-03-27 14:01 | 2026-04-02 09:55 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/27/2026 <br> Waived-Waiver applied to non-material finding. Full has fill sppraisal and escrows. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Finding is not valid, Lender notes HPML loan meets XXXX guideline section XXXX and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/02/2026 | Ready for Review-Finding is not valid, Lender notes HPML loan meets XXXX guideline section XXXX and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/02/2026 | Waived-Waiver applied to non-material finding. Full has fill sppraisal and escrows. - Due Diligence Vendor-04/02/2026<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 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.89 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8364158 |
| XXXX | XXXX | 305087296 D B C A | Closed | FCOM1301 | 2026-03-27 13:39 | 2026-03-30 04:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings - Due Diligence Vendor-03/27/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings - Due Diligence Vendor-03/27/2026<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 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.89 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8363724 |
| XXXX | XXXX | 305087288 C B A | Closed | FCRE1440 | 2026-03-30 12:10 | 2026-04-01 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. Please see attached rent free letter that was uploaded to your system. Please clear this finding. - Seller-03/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing rent free letter. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see attached rent free letter that was uploaded to your system. Please clear this finding. - Seller-03/30/2026<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/01/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 74.93m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 |  | 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 | 8386526 |
| XXXX | XXXX | 305087288 C B A | Closed | finding-3352 | 2026-03-27 16:56 | 2026-03-30 15:02 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/30/2026 <br>Waived-Originator waiver applied to non material finding . File contains appraisal and escrows - Due Diligence Vendor-03/30/2026 |  | Waived-Originator waiver applied to non material finding . File contains appraisal and escrows - Due Diligence Vendor-03/30/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 74.93m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 8368808 |
| XXXX | XXXX | 305087288 C B A | Closed | FCOM1301 | 2026-03-27 15:54 | 2026-03-30 07:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings - Due Diligence Vendor-03/27/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings - Due Diligence Vendor-03/27/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 74.93m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 |  |  | 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 | 8367138 |
| XXXX | XXXX | 305078286 C A | Closed | FCRE1510 | 2026-03-27 14:46 | 2026-04-02 12:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded Mortgage w/legal. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with Legal Description. - Seller-03/31/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the Legal Description attached to the Mortgage. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Legal Description. - Seller-03/31/2026<br>| Resolved-Received recorded Mortgage w/legal. - Due Diligence Vendor-04/02/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.494 Required is 0 Borrower has 1.494<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.494 Required is 0 Borrower has 1.494 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8365467 |
| XXXX | XXXX | 305078286 C A | Closed | FCRE0045 | 2026-03-30 11:28 | 2026-04-02 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached ACH form that was uploaded to your system. Please clear this finding. - Seller-03/31/2026 <br>Open-Foreign National but the ACH form is Missing from file. Automatic Payment Authorization form is required for a Foreign National. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see attached ACH form that was uploaded to your system. Please clear this finding. - Seller-03/31/2026<br>| Resolved-Received ACH - Due Diligence Vendor-04/02/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.494 Required is 0 Borrower has 1.494<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.494 Required is 0 Borrower has 1.494 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8385211 |
| XXXX | XXXX | 305087278 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305062209 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 | 305087320 D B A | Closed | FCRE0197 | 2026-03-31 16:15 | 2026-04-07 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received fully executed seller CD. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing the Final Seller CD/ HUD. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026<br>| Resolved-Received fully executed seller CD. - Due Diligence Vendor-04/07/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths. Borrower has 25.1 months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8413665 |
| XXXX | XXXX | 305087320 D B A | Closed | FCOM1232 | 2026-03-31 10:47 | 2026-04-07 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026 <br>Open-The Final 1003 is Missing Missing Executed Final 1003. Upon receipt additional information maybe required. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026<br>| Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-04/07/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths. Borrower has 25.1 months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8405142 |
| XXXX | XXXX | 305087320 D B A | Closed | FCOM0013 | 2026-03-31 10:56 | 2026-04-02 10:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026 <br>Open-Missing e-Consent. Missing e-Consent - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/01/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths. Borrower has 25.1 months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8405373 |
| XXXX | XXXX | 305087320 D B A | Closed | FCRE1342 | 2026-03-31 17:01 | 2026-03-31 18:00 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-03/31/2026 <br>Open-Borrower 1 Business Bank Statements Missing Exception Request: Comingling of multiple accounts to generate a full 12 or 24month is not permitted. Allowance of Comingling of two deposit wired to incorrect account. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths. Borrower has 25.1 months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 | Comp factors:<br> - Documented invoice for deposits<br> - 40+ years in career<br> - FICO 20+point over top bracket |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8414205 |
| XXXX | XXXX | 305087320 D B A | Closed | finding-3352 | 2026-03-31 11:25 | 2026-03-31 17:59 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/31/2026 <br>Waived-Waived to non-material. File contains full appraisal and escrows. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material. File contains full appraisal and escrows. - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths. Borrower has 25.1 months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8407795 |
| XXXX | XXXX | 305079385 D B A C | Closed | finding-3634 | 2026-04-01 12:32 | 2026-04-15 11:53 | 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-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Counter-Received copy of Letter and PCCD dated XXXX. Need copy of Check and shipping label. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. copy of check and tracking to follow - Seller-04/08/2026 <br> Counter-COC is dated XXXX, which is more than 3 days prior to Final CD XXXX. Please proved the Revised CD for the COC. Finding Remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <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 $200.22.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 $200.22 (Final inspection and 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 $200.22, 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-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 <br>Ready for Review-Document Uploaded. copy of check and tracking to follow - Seller-04/08/2026 <br>Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.46 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 8432790 |
| XXXX | XXXX | 305079385 D B A C | Closed | FCRE1316 | 2026-04-01 14:59 | 2026-04-06 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Recieved XXXX Search for business that includes business structure - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines state an internet search of the business is required with documentation to be included in the credit file to support the business narrative. There is no documentation in file to support the business narrative. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Recieved XXXX Search for business that includes business structure - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.46 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 8436502 |
| XXXX | XXXX | 305079385 D B A C | Closed | FCRE1510 | 2026-04-02 03:50 | 2026-04-06 11:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <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-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Received Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.46 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 8444538 |
| XXXX | XXXX | 305087319 C B A | Closed | FCRE0108 | 2026-03-31 10:37 | 2026-04-02 13:06 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, subject meets limited review requirements. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-The UW on Transmittal Summary (Form 1008) confirms that the subject is a warrantable condominium project and that the master insurance policy meets applicable requirements. Additionally, the loan was underwritten as a Limited Review, under which fidelity/crime coverage is not a standard requirement.<br> Per written confirmation from the Agency: (XXXX), the master insurance policy is held by the association and provides replacement cost valuation with 80% co-insurance. While the association does not carry separate fidelity/crime coverage, this does not impact eligibility under the parameters of this loan program and review type.<br> Furthermore, the project has already been determined to be warrantable, and therefore the concern regarding non-warrantable condo eligibility under the XXXX program is not applicable to this file.<br> Based on the above, the master policy meets the necessary requirements for this transaction. We respectfully request that this finding be cleared.<br>- Seller-04/01/2026 <br> Open-Fidelity Coverage not met. Provide Evidence of the HOA Fidelity/Crime Coverage . Additional findings may apply due to non-warrantable condo not being eligible under this programs (XXXX) .<br>- Due Diligence Vendor-03/31/2026 | Ready for Review-The UW on Transmittal Summary (Form 1008) confirms that the subject is a warrantable condominium project and that the master insurance policy meets applicable requirements. Additionally, the loan was underwritten as a Limited Review, under which fidelity/crime coverage is not a standard requirement.<br> Per written confirmation from the Agency: (XXXX), the master insurance policy is held by the association and provides replacement cost valuation with 80% co-insurance. While the association does not carry separate fidelity/crime coverage, this does not impact eligibility under the parameters of this loan program and review type.<br> Furthermore, the project has already been determined to be warrantable, and therefore the concern regarding non-warrantable condo eligibility under the XXXX program is not applicable to this file.<br> Based on the above, the master policy meets the necessary requirements for this transaction. We respectfully request that this finding be cleared.<br>- Seller-04/01/2026 | Resolved-Upon further review, subject meets limited review requirements. - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 810 which exceeds the minimum of 660 Required is 720 Borrower has 810<br>Qualifying DTI below maximum allowed - DTI of 37.23% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8404906 |
| XXXX | XXXX | 305087319 C B A | Closed | FCOM0013 | 2026-03-30 13:54 | 2026-04-02 09:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. ATTACHED - Seller-04/01/2026 <br>Open-Missing e-Consent. Missing e-Consent from file - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-04/01/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 810 which exceeds the minimum of 660 Required is 720 Borrower has 810<br>Qualifying DTI below maximum allowed - DTI of 37.23% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.23 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8389674 |
| XXXX | XXXX | 305087319 C B A | Closed | FCOM1301 | 2026-03-30 13:54 | 2026-03-30 15:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material finding. - Due Diligence Vendor-03/30/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material finding. - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 810 which exceeds the minimum of 660 Required is 720 Borrower has 810<br>Qualifying DTI below maximum allowed - DTI of 37.23% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 37.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8389673 |
| XXXX | XXXX | 305087389 C B A | Closed | FCRE1440 | 2026-03-31 12:29 | 2026-04-02 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/01/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR to verify borrower's 12m housing history. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-04/01/2026<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - Borrower qualifying reserves 9.43. Minimum guideline required 3<br>Verified employment history exceeds guidelines - Borrower employed for 5 years. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8409186 |
| XXXX | XXXX | 305087389 C B A | Closed | FCOM0013 | 2026-03-31 09:20 | 2026-04-02 09:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. UPLOADED - Seller-04/01/2026 <br>Open-Missing e-Consent. -----Missing e-consent. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-04/01/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - Borrower qualifying reserves 9.43. Minimum guideline required 3<br>Verified employment history exceeds guidelines - Borrower employed for 5 years. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8402776 |
| XXXX | XXXX | 305087389 C B A | Closed | finding-3540 | 2026-03-31 07:40 | 2026-04-02 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Tracking for receipt of CD. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. A revised/final CD was issued on XXXX, that version supersedes the prior one. Borrowers should sign the latest CD to acknowledge receipt of the final terms. The CD from XXXX does not need to bs signed. Tracking attached - Seller-04/01/2026 <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. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. A revised/final CD was issued on XXXX, that version supersedes the prior one. Borrowers should sign the latest CD to acknowledge receipt of the final terms. The CD from XXXX does not need to bs signed. Tracking attached - Seller-04/01/2026 | Resolved-Received Tracking for receipt of CD. Finding Resolved. - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - Borrower qualifying reserves 9.43. Minimum guideline required 3<br>Verified employment history exceeds guidelines - Borrower employed for 5 years. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8401310 |
| XXXX | XXXX | 305087389 C B A | Closed | finding-3634 | 2026-03-31 07:40 | 2026-04-02 09:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Tracking for receipt of CD. Finding Resolved. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. <br> A revised/final CD was issued on XXXX, that version supersedes the prior one. <br> Borrowers should sign the latest CD to acknowledge receipt of the final terms. The CD from XXXX does not need to bs signed. Tracking attached <br> - Seller-04/01/2026 <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 $556.80.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). -----COC for increase in file, please provide receipt date of revised CD dated XXXX. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. <br> A revised/final CD was issued on XXXX, that version supersedes the prior one. <br> Borrowers should sign the latest CD to acknowledge receipt of the final terms. The CD from XXXX does not need to bs signed. Tracking attached <br> - Seller-04/01/2026 | Resolved-Received Tracking for receipt of CD. Finding Resolved. - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - Borrower qualifying reserves 9.43. Minimum guideline required 3<br>Verified employment history exceeds guidelines - Borrower employed for 5 years. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8401312 |
| XXXX | XXXX | 305087389 C B A | Closed | FCOM1301 | 2026-03-31 09:20 | 2026-03-31 09:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - Borrower qualifying reserves 9.43. Minimum guideline required 3<br>Verified employment history exceeds guidelines - Borrower employed for 5 years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8402775 |
| XXXX | XXXX | 305087369 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305087366 C A | Closed | FCRE1510 | 2026-04-01 12:09 | 2026-04-03 15:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 773<br>LTV is less than guideline maximum - . Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 5.4 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8432364 |
| XXXX | XXXX | 305087366 C A | Closed | FCRE1440 | 2026-03-31 11:38 | 2026-04-03 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received housing history. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. 3c REO XXXX recently purchased with NEW Loan \*\*\* See XXX MTG XXXX / XXXX \*\*\* First payment XXXX and <br> 3d REO XXXX ALSO Purchased XXXX with new XXXX Mtg XXXX / XXXX. Please see attached <br> - Seller-04/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements VOM / 12 month mortgage payment ratings on property 3c and 3d. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. 3c REO XXXX recently purchased with NEW Loan \*\*\* See XXXX MTG XXXX/ XXXX \*\*\* First payment XXXX and <br> 3d REO XXXX ALSO Purchased XXXX with new XXXX Mtg XXXX / XXXX. Please see attached <br> - Seller-04/02/2026 | Resolved-Received housing history. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 700 Borrower has 773<br>LTV is less than guideline maximum - . Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 5.4 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8408178 |
| XXXX | XXXX | 305061948 D B A | Closed | FCRE1198 | 2026-04-02 06:17 | 2026-04-24 16:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver 2 mos reserves <3 mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. See uploaded - PC Exception - Seller-04/22/2026 <br> Counter-Received HUD and XXXX account Date XXXX. XXXX account in file dated XXXX. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. I apologize. The $294,038.68 is the total of proceeds from the sale $239,782.30 plus the XXXX #XXXX account with $54,256.38. Please see both bank statement and final HUD attached. Both included with credit file. - Seller-04/14/2026 <br> Counter-Received rebuttal. Review received closing statement reflecting $239,782 disbursed XXXX. Please provide correct, final Hud reflecting proceeds $294,038.68 cash to seller as noted. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-The borrower has 6.28 months of reserves. Total funds verified are $15,449.60 EM and $294,038.68 cash from sale. Minus cash to close of $256,711.53 = $52,826.75/$8393.04 PITIA = 6.29 months. - Seller-04/10/2026 <br> Open-Audited Reserves of 2.29 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. See uploaded - PC Exception - Seller-04/22/2026 <br> Ready for Review-Document Uploaded. I apologize. The $294,038.68 is the total of proceeds from the sale $239,782.30 plus the XXXX #XXXX account with $54,256.38. Please see both bank statement and final HUD attached. Both included with credit file. - Seller-04/14/2026 <br> Ready for Review-The borrower has 6.28 months of reserves. Total funds verified are $15,449.60 EM and $294,038.68 cash from sale. Minus cash to close of $256,711.53 = $52,826.75/$8393.04 PITIA = 6.29 months. - Seller-04/10/2026 | Waived-Originator provided a waiver 2 mos reserves <3 mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 79.9<br>Qualifying DTI below maximum allowed - DTI 44.10 max 50%. Required is 50 Borrower has 44.1 | Long term employment<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 | Purchase | NA | Originator Post-Close | Yes | 8447306 |
| XXXX | XXXX | 305061948 D B A | Closed | FCRE1964 | 2026-03-31 12:55 | 2026-04-16 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received proof of deposit, first month rent, and rent schedule. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Attached are the 1007, deposit, and HOA for the rental. - Seller-04/14/2026 <br>Open-for b2 and b3 reo 3b- Missing- rental income requirement- rental income must be documented with all the following: Market Rent Analysis, Single Family Comparable Rent Schedule (XXXX Form 1007). Evidence of proof of receipt of damage deposit and first month's rent. Additional findings may apply.<br> only provided lease agreement. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Attached are the 1007, deposit, and HOA for the rental. - Seller-04/14/2026<br>| Resolved-Received proof of deposit, first month rent, and rent schedule. - Due Diligence Vendor-04/16/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 79.9<br>Qualifying DTI below maximum allowed - DTI 44.10 max 50%. Required is 50 Borrower has 44.1 |  | 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 | 8409590 |
| XXXX | XXXX | 305061948 D B A | Closed | FCRE7497 | 2026-03-31 12:56 | 2026-04-13 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA validation. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Uploaded confirmation of HOA fees - Seller-04/10/2026 <br>Open-1) Missing confirmation if Reo3a has HOA fees. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Uploaded confirmation of HOA fees - Seller-04/10/2026<br>| Resolved-Received HOA validation. - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 79.9<br>Qualifying DTI below maximum allowed - DTI 44.10 max 50%. Required is 50 Borrower has 44.1 |  | 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 | 8409598 |
| XXXX | XXXX | 305087247 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305087259 C A | Closed | FCRE1506 | 2026-04-01 13:21 | 2026-04-03 14:40 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Housing History - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached VOM, no lates - Seller-04/02/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ATR-Pending Housing History. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached VOM, no lates - Seller-04/02/2026<br>| Resolved-Received Housing History - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 732 which exceeds the minimum of 660 Required is 660 Borrower has 732<br>LTV is less than guideline maximum - LTV of 41.88% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 41.88<br>Qualifying DTI below maximum allowed - DTI of 24.27% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 24.27 |  | 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 | 8433837 |
| XXXX | XXXX | 305087259 C A | Closed | FCRE1440 | 2026-04-01 04:46 | 2026-04-03 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached VOM, no lates - Seller-04/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for the last 12 months from XXXX for subject property. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached VOM, no lates - Seller-04/02/2026<br>| Resolved-Received VOM - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 732 which exceeds the minimum of 660 Required is 660 Borrower has 732<br>LTV is less than guideline maximum - LTV of 41.88% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 41.88<br>Qualifying DTI below maximum allowed - DTI of 24.27% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 24.27 |  | 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 | 8420419 |
| XXXX | XXXX | 305087318 D A C | Closed | FCRE1506 | 2026-04-01 08:34 | 2026-04-06 14:10 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/02/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of the most recent 12 months rental payment history. Upon receipt of conditions ATR/ QM can be determined. Additional conditions may apply. - Due Diligence Vendor-04/01/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/02/2026<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 796 Required is 660 Borrower has 796<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8424580 |
| XXXX | XXXX | 305087318 D A C | Closed | FCRE1440 | 2026-04-01 08:13 | 2026-04-06 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR's for both borrowers. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months rental payment history. Upon receipt of proof additional conditions maybe required. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026<br>| Resolved-Received VOR's for both borrowers. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 796 Required is 660 Borrower has 796<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8424185 |
| XXXX | XXXX | 305087318 D A C | Closed | FCRE6019 | 2026-03-31 12:08 | 2026-04-06 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing proof of each Borrowers Non Permanent Resident ID (front & back). Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026<br>| Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 796 Required is 660 Borrower has 796<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8408796 |
| XXXX | XXXX | 305087318 D A C | Closed | FVAL1039 | 2026-04-01 08:43 | 2026-04-06 14:02 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Received corrected 1008, Appraised value is XXXX and the purchase price is XXXX - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. As per guidelines, the LTV is based on the lower of the appraised value or purchase price, which in this case is the purchase price of XXXX. See attached corrected 1008 with the XXXX appraised value. - Seller-04/03/2026 | Ready for Review-Document Uploaded. As per guidelines, the LTV is based on the lower of the appraised value or purchase price, which in this case is the purchase price of XXXX. See attached corrected 1008 with the XXXX appraised value. - Seller-04/03/2026 | Resolved-Received corrected 1008, Appraised value is XXXX and the purchase price is XXXX - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 796 Required is 660 Borrower has 796<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8424828 |
| XXXX | XXXX | 305087329 D A C | Closed | FCRE1335 | 2026-03-31 16:19 | 2026-04-06 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026 <br> Open-Borrower 1 IRS Transcripts Missing Provide missing XXXX Tax Transcript for evidence of filing. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 16.67 Required is 75 Borrower has 16.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 689 Required is 620 Borrower has 689 |  | 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 | 8413699 |
| XXXX | XXXX | 305087329 D A C | Closed | FCRE1324 | 2026-03-31 16:19 | 2026-04-06 14:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Not Signed Received XXXX transcript - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached, Transcripts provided instead of signed tax returns - Seller-04/03/2026 <br> Open-Borrower 1 Tax Returns Not Signed Provide missing signature on XXXX personal and business tax returns provided. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Please see attached, Transcripts provided instead of signed tax returns - Seller-04/03/2026<br>| Resolved-Borrower 1 Tax Returns Not Signed Received XXXX transcript - Due Diligence Vendor-04/06/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 16.67 Required is 75 Borrower has 16.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 689 Required is 620 Borrower has 689 |  | 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 | 8413701 |
| XXXX | XXXX | 305087329 D A C | Closed | finding-3634 | 2026-03-31 12:58 | 2026-04-06 08:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for change in pricing. Finding Resolved. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/03/2026 <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 $1,375.00.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 $1,375.00 Points - Loan Discount 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 $1,375.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/03/2026<br>| Resolved-Received COC for change in pricing. Finding Resolved. - Due Diligence Vendor-04/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 16.67 Required is 75 Borrower has 16.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 689 Required is 620 Borrower has 689 |  | 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 | 8409643 |
| XXXX | XXXX | 305087283 C A | Closed | FCRE0138 | 2026-04-01 12:38 | 2026-04-06 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Resolved-Upon further review, per GL XXXX, cashout does not exceed the guidelines - Due Diligence Vendor-04/06/2026 <br> Ready for Review-We disagree. Per XXXX guidelines, section XXXX Rate/Term Refinance: Max cash back of the "greater" of 1% of the new loan amount or $2,000. - Seller-04/02/2026 <br> Open-Cash-Out Per CD, exceeds Rate-Term Refi max of $2,000. - Due Diligence Vendor-04/01/2026 | Ready for Review-We disagree. Per XXXX guidelines, section XXXX Rate/Term Refinance: Max cash back of the "greater" of 1% of the new loan amount or $2,000. - Seller-04/02/2026 | Resolved-Upon further review, per GL XXXX, cashout does not exceed the guidelines - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 Required is 660 Borrower has 740<br>LTV is less than guideline maximum - Required is 85 Borrower has 67.64 Required is 85 Borrower has 67.64 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8432925 |
| XXXX | XXXX | 305087283 C A | Closed | FCOM0013 | 2026-03-31 22:42 | 2026-04-03 08:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026 <br>Open-Missing e-Consent. -----Missing E consent - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/02/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 Required is 660 Borrower has 740<br>LTV is less than guideline maximum - Required is 85 Borrower has 67.64 Required is 85 Borrower has 67.64 |  | 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 | 8418321 |
| XXXX | XXXX | 305087394 C A | Closed | FPRO1257 | 2026-04-02 12:14 | 2026-04-06 15:14 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO to support valuation of 6 unit property. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026 <br>Open-Missing secondary Valuation - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/02/2026<br>| Resolved-Received BPO to support valuation of 6 unit property. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808 Required is 680 Borrower has 808<br>LTV is less than guideline maximum - Required is 75 Borrower has 68.32 Required is 75 Borrower has 68.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8456233 |
| XXXX | XXXX | 305087316 D A C | Closed | FCRE1355 | 2026-04-02 09:53 | 2026-04-06 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received CPA letter for B2 - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Please see attached. - Seller-04/03/2026 <br>Open-Borrower 2 CPA Letter Missing Missing the CPA/ CTEC Letter confirming B2's self-employment, percentage of ownership, how long the borrower has been self-employed and in good standing. - Due Diligence Vendor-04/02/2026 | Ready for Review-Please see attached. - Seller-04/03/2026<br>| Resolved-Received CPA letter for B2 - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>LTV is less than guideline maximum - Required is 85 Borrower has 72.26 |  | 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 | 8452150 |
| XXXX | XXXX | 305087316 D A C | Closed | FCOM0013 | 2026-04-01 15:02 | 2026-04-06 07:56 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/03/2026 <br>Open-Missing e-Consent. Missing e-consent - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/03/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737<br>LTV is less than guideline maximum - Required is 85 Borrower has 72.26 |  | 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 | 8436591 |
| XXXX | XXXX | 305087368 D A | Closed | FCRE1764 | 2026-04-02 11:05 | 2026-04-07 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received a copy of LE for XXXX (loan has not closed yet) as well as LOX for HOA on same - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached LE for 3C: XXXX as the loan has not funded yet. Also per the attached LOE from the borrower and according to the 1003, 3F: XXXX is a SFR with no HOA dues. - Seller-04/06/2026 <br> Open-Property 3c: Provide loans docs to verify terms of New Mortgage as listed on 1003.<br> Property 3f. Missing verification of HOA payment. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached LE for 3C: XXXX as the loan has not funded yet. Also per the attached LOE from the borrower and according to the 1003, 3F: XXXX is a SFR with no HOA dues. - Seller-04/06/2026 | Resolved-Received a copy of LE for XXXX (loan has not closed yet) as well as LOX for HOA on same - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.53 Required is 50 Borrower has 24.6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8453794 |
| XXXX | XXXX | 305087368 D A | Closed | FCRE1148 | 2026-04-02 09:46 | 2026-04-07 16:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide Title Insurance equal to loan amount. (Title Supplements provided have a lower amount that final loan amount). - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-Received updated Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.53 Required is 50 Borrower has 24.6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8451852 |
| XXXX | XXXX | 305087277 D A C | Closed | finding-3634 | 2026-04-01 14:49 | 2026-04-08 13:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-REceived acknowledgement of coc change. Finding Resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. SEE SYSTEM EVIDENCE - Seller-04/07/2026 <br> Counter-Broker fee paid by borrower was added on LE XXXX. There is no COC in file for this addition of a fee. Only COC in file is XXXX for the lock. Finding Remains. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. The mortgage broker fee went from $36k to $24k. See attached - Seller-04/06/2026 <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 $24,000.00.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 $24,000 (Mortgage Broker 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 $24,000, 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.<br> - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. SEE SYSTEM EVIDENCE - Seller-04/07/2026 <br>Ready for Review-Document Uploaded. The mortgage broker fee went from $36k to $24k. See attached - Seller-04/06/2026<br>| Resolved-REceived acknowledgement of coc change. Finding Resolved. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.33 |  | 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 | 8436336 |
| XXXX | XXXX | 305087277 D A C | Closed | FCRE1325 | 2026-04-02 12:38 | 2026-04-08 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter dated 2/18 which is valid for 60 days. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br> Open-Borrower 1 CPA Letter Missing Missing from the EA Letter dated XXXX, the percentage of ownership the borrower has in the business, how long the borrower has been in business and the status of business. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-Received CPA letter dated XXXX which is valid for 60 days. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.33 |  | 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 | 8456817 |
| XXXX | XXXX | 305087277 D A C | Closed | FCOM0013 | 2026-04-02 07:51 | 2026-04-07 07:54 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026 <br>Open-Missing e-Consent. Missing e-consent - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/06/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.33 |  | 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 | 8448629 |
| XXXX | XXXX | 305078355 C A | Closed | FCOM0013 | 2026-04-01 14:25 | 2026-04-07 08:12 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026 <br>Open-Missing e-Consent. ----- Missing e-Consent - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.44<br>LTV is less than guideline maximum - Required is 70 Borrower has 46.15 |  | 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 | 8435724 |
| XXXX | XXXX | 305087302 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 | 305087402 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305086830 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305087264 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305087291 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 | 305087258 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305087401 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305087253 D B A | Closed | FCRE7807 | 2026-04-06 16:29 | 2026-04-09 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lender income worksheet for b2. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. Disagree, B2 does not have Bank statement income source, please see attached Salary pay income calc for B2. Please expedite this to be cleared as soon as possible - Seller-04/07/2026 <br> Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing Borrower 2 Income Calculation Worksheet. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 <br>Ready for Review-Document Uploaded. Disagree, B2 does not have Bank statement income source, please see attached Salary pay income calc for B2. Please expedite this to be cleared as soon as possible - Seller-04/07/2026<br>| Resolved-Received Lender income worksheet for b2. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.42 Required is 50.49 Borrower has 42.42<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 808 Required is 660 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 | 8510151 |
| XXXX | XXXX | 305087253 D B A | Closed | FCOM1301 | 2026-04-02 18:33 | 2026-04-02 19:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-Originator waiver applied to non-material findings. - Due Diligence Vendor-04/02/2026 |  | Waived-Originator waiver applied to non-material findings. - Due Diligence Vendor-04/02/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.42 Required is 50.49 Borrower has 42.42<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 808 Required is 660 Borrower has 808 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8463965 |
| XXXX | XXXX | 305087373 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305087261 D B A | Closed | FCRE1316 | 2026-04-08 10:03 | 2026-04-10 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter validating employment - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Missing Self Employment Verification-existence of the business within 60 days of the note date. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Resolved-Received CPA letter validating employment - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 737. Required is 700 Borrower has 737<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 80%. Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8547817 |
| XXXX | XXXX | 305087261 D B A | Closed | FCRE1440 | 2026-04-08 18:31 | 2026-04-10 15:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received satisfactory VOR. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR to support $2,200 with 0x30 for 12 months. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Resolved-Received satisfactory VOR. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 737. Required is 700 Borrower has 737<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 80%. Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8559315 |
| XXXX | XXXX | 305087261 D B A | Closed | FCOM1301 | 2026-04-06 12:34 | 2026-04-06 12:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 737. Required is 700 Borrower has 737<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 80%. Required is 85 Borrower has 80 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8504269 |
| XXXX | XXXX | 305087241 C B A | Closed | FCRE1198 | 2026-04-07 09:24 | 2026-04-13 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 1003, statement and printout reflecting sufficient reserves at disbursement. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026 <br>Open-Audited Reserves of 0.02 month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets are less than minimum required per guidelines. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/10/2026<br>| Resolved-Received 1003, statement and printout reflecting sufficient reserves at disbursement. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 32.48 |  | 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 | 8522567 |
| XXXX | XXXX | 305087241 C B A | Closed | FCOM1301 | 2026-04-04 14:19 | 2026-04-04 14:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-04/04/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ORIGINATOR WAIVER APPLIED TO NON MATERIAL FINDING - Due Diligence Vendor-04/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 32.48 |  |  | 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 | 8488130 |
| XXXX | XXXX | 305087338 C B A | Closed | FCRE1510 | 2026-04-08 05:09 | 2026-04-09 09:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT with Legal Description, finding resolved. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026 <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-04/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2026<br>| Resolved-Received DOT with Legal Description, finding resolved. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8540168 |
| XXXX | XXXX | 305087338 C B A | Closed | FCOM9998 | 2026-04-06 10:00 | 2026-04-09 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received PCCD with corrected fee placement, finding resolved. - Due Diligence Vendor-04/09/2026 <br> Open------ Initial CD dated XXXX & Final CD dated XXXX Section B amount does not equal $21724.85 (21,581.30) - Short $143.55. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received PCCD with corrected fee placement, finding resolved. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8498561 |
| XXXX | XXXX | 305087338 C B A | Closed | finding-3634 | 2026-04-09 08:49 | 2026-04-09 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026 |  | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8571488 |
| XXXX | XXXX | 305087338 C B A | Closed | finding-3638 | 2026-04-09 08:49 | 2026-04-09 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026 |  | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8571489 |
| XXXX | XXXX | 305087338 C B A | Closed | finding-3635 | 2026-04-09 08:49 | 2026-04-09 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026 |  | Resolved-Due to testing. Finding resolved. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8571490 |
| XXXX | XXXX | 305087338 C B A | Closed | FCOM1301 | 2026-04-05 11:33 | 2026-04-05 11:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/05/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/05/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.3 Required is 50 Borrower has 38.3<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 755 Required is 680 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8488567 |
| XXXX | XXXX | 305061988 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305087290 C B A | Closed | FCOM1353 | 2026-04-08 07:10 | 2026-04-13 15:06 | 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-04/08/2026 |  | 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-04/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 807<br>LTV is less than guideline maximum - Required is 85 Borrower has 79 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8544457 |
| XXXX | XXXX | 305087290 C B A | Closed | FCRE1278 | 2026-04-09 12:32 | 2026-04-13 13:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided a waiver "escrow waivers, applied to non material finding with comp factors. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br>Open-Max loan amount for escrow waivers is $2MM - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Waived-Originator provided a waiver "escrow waivers, applied to non material finding with comp factors. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 807<br>LTV is less than guideline maximum - Required is 85 Borrower has 79 | 6 years self employed. 34 DTI | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 8578906 |
| XXXX | XXXX | 305087290 C B A | Closed | FCOM0013 | 2026-04-07 12:54 | 2026-04-13 09:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026 <br>Open-Missing e-Consent. ----- Missing e-Consent - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/09/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 807<br>LTV is less than guideline maximum - Required is 85 Borrower has 79 |  | 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 | 8529110 |
| XXXX | XXXX | 305087342 C A | Closed | FCRE1182 | 2026-04-09 20:49 | 2026-04-14 13:42 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Upon further review - there were NO exceptions required on loan - meets all guideline parameters - Due Diligence Vendor-04/14/2026 <br>Counter-Received rebuttal lock only reflects extensions. Lock reflects extension and and Exception (Branch). Please clarify - Due Diligence Vendor-04/13/2026 <br>Ready for Review-The lock reflects Extensions, there are no exception to the loan guidelines and if there is an exception for loan lock pricing then no additional documentation is generated for it. Please expedite this to be cleared as soon as possible - Seller-04/10/2026 <br>Open-Per Lock there is a loan exception but not showing any exception in the system or documentation provided. - Due Diligence Vendor-04/10/2026 | Ready for Review-The lock reflects Extensions, there are no exception to the loan guidelines and if there is an exception for loan lock pricing then no additional documentation is generated for it. Please expedite this to be cleared as soon as possible - Seller-04/10/2026<br>| Resolved-Upon further review - there were NO exceptions required on loan - meets all guideline parameters - Due Diligence Vendor-04/14/2026<br>| Qualifying DTI below maximum allowed - DTI of 31% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 31<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 814 which exceeds the minimum of 700 Required is 700 Borrower has 814 |  |  | 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 | 8586432 |
| XXXX | XXXX | 305087342 C A | Closed | FCRE7009 | 2026-04-09 14:10 | 2026-04-13 16:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation of replacement coverage included from insurer. - Due Diligence Vendor-04/13/2026 <br>Ready for Review-Document Uploaded. Disagree, Lender notes the Insurance agent provided an email that verified the coverage has "100% replacement cost coverage". No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-04/10/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. HOI reflects Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes the Insurance agent provided an email that verified the coverage has "100% replacement cost coverage". No further documentation is required, Please expedite this to be cleared as soon as possible - Seller-04/10/2026<br>| Resolved-Received confirmation of replacement coverage included from insurer. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 31% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 31<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 814 which exceeds the minimum of 700 Required is 700 Borrower has 814 |  | 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 | 8580890 |
| XXXX | XXXX | 305087342 C A | Closed | finding-3540 | 2026-04-08 15:07 | 2026-04-13 08:42 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received acknowledgement borrower signed at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/10/2026 <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. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/10/2026<br>| Resolved-Received acknowledgement borrower signed at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 31% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 31<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 814 which exceeds the minimum of 700 Required is 700 Borrower has 814 |  | 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 | 8555774 |
| XXXX | XXXX | 305087342 C A | Closed | finding-3652 | 2026-04-08 15:07 | 2026-04-13 08:42 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received acknowledgement borrower signed at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. There were COC's completed - XXXX, XXXX, XXXX & XXXX- docs provided - Seller-04/10/2026 <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 ($23,001.35) does not exceed or equal the comparable sum of specific and non-specific lender credits ($27,370.00). 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 $27370 to $23001.35 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $4368.65, 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-04/08/2026 | Ready for Review-Document Uploaded. There were COC's completed - XXXX, XXXX, XXXX & XXXX- docs provided - Seller-04/10/2026 | Resolved-Received acknowledgement borrower signed at closing. Finding Resolved. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - DTI of 31% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 31<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 814 which exceeds the minimum of 700 Required is 700 Borrower has 814 |  | 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 | 8555775 |

---

## Exhibit 99.9

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304702235 | XXXX A |
| XXXX | XXXX | 304694458 | XXXX A |
| XXXX | XXXX | 304736272 | XXXX C A B |
| XXXX | XXXX | 304736270 | XXXX A |
| XXXX | XXXX | 304736278 | XXXX A |
| XXXX | XXXX | 304736279 | XXXX C A B |
| XXXX | XXXX | 304892635 | XXXX D A B |
| XXXX | XXXX | 304758127 | XXXX A |
| XXXX | XXXX | 304892633 | XXXX D A B |
| XXXX | XXXX | 304856813 | XXXX C A B |
| XXXX | XXXX | 304892637 | XXXX A C B |
| XXXX | XXXX | 304892634 | XXXX C A |
| XXXX | XXXX | 304817022 | XXXX D C A |
| XXXX | XXXX | 304817034 | XXXX C A D B |
| XXXX | XXXX | 304817037 | XXXX D A B |
| XXXX | XXXX | 305039372 | XXXX A |
| XXXX | XXXX | 304825203 | XXXX A C |
| XXXX | XXXX | 304892632 | XXXX A C |
| XXXX | XXXX | 304825171 | XXXX A |
| XXXX | XXXX | 304856666 | XXXX C A |
| XXXX | XXXX | 304856806 | XXXX D A B |
| XXXX | XXXX | 304875585 | XXXX C A B |
| XXXX | XXXX | 304875562 | XXXX C A B |
| XXXX | XXXX | 304875512 | XXXX A |
| XXXX | XXXX | 304875514 | XXXX D A |
| XXXX | XXXX | 304875545 | XXXX A |
| XXXX | XXXX | 304892630 | XXXX D A B |
| XXXX | XXXX | 304875580 | XXXX C A |
| XXXX | XXXX | 304875450 | XXXX D A |
| XXXX | XXXX | 304875457 | XXXX D A |
| XXXX | XXXX | 304875564 | XXXX C A B |
| XXXX | XXXX | 304875394 | XXXX A |
| XXXX | XXXX | 304875601 | XXXX A |
| XXXX | XXXX | 304875439 | XXXX C A |
| XXXX | XXXX | 304875527 | XXXX C A B |
| XXXX | XXXX | 304875572 | XXXX A C |
| XXXX | XXXX | 304892513 | XXXX C A B |
| XXXX | XXXX | 304892601 | XXXX D A |
| XXXX | XXXX | 304875491 | XXXX A |
| XXXX | XXXX | 304875490 | XXXX C A |
| XXXX | XXXX | 304892604 | XXXX A |
| XXXX | XXXX | 304892508 | XXXX A |
| XXXX | XXXX | 304892583 | XXXX C A |
| XXXX | XXXX | 304896975 | XXXX D A B |
| XXXX | XXXX | 304875499 | XXXX B A |
| XXXX | XXXX | 304892572 | XXXX B C A |
| XXXX | XXXX | 304896948 | XXXX C A |
| XXXX | XXXX | 304896950 | XXXX A |
| XXXX | XXXX | 304896978 | XXXX D A C |
| XXXX | XXXX | 304892561 | XXXX C A |
| XXXX | XXXX | 304896902 | XXXX C A |
| XXXX | XXXX | 304896979 | XXXX C A B |
| XXXX | XXXX | 305052026 | XXXX A |
| XXXX | XXXX | 305039364 | XXXX C A B |
| XXXX | XXXX | 305039366 | XXXX A |
| XXXX | XXXX | 305039345 | XXXX A |
| XXXX | XXXX | 305023692 | XXXX D A B |
| XXXX | XXXX | 304910091 | XXXX A |
| XXXX | XXXX | 305023650 | XXXX C A |
| XXXX | XXXX | 305030824 | XXXX C A |
| XXXX | XXXX | 305029519 | XXXX C A |
| XXXX | XXXX | 305029341 | XXXX A |
| XXXX | XXXX | 305030841 | XXXX C A |
| XXXX | XXXX | 305030825 | XXXX C A |
| XXXX | XXXX | 305030898 | XXXX C A |
| XXXX | XXXX | 305035290 | XXXX C A |
| XXXX | XXXX | 305029520 | XXXX A |
| XXXX | XXXX | 305030865 | XXXX D A |
| XXXX | XXXX | 305035342 | XXXX A |
| XXXX | XXXX | 305039248 | XXXX C A |
| XXXX | XXXX | 305039276 | XXXX C A |
| XXXX | XXXX | 305039275 | XXXX D A |
| XXXX | XXXX | 305035416 | XXXX A |
| XXXX | XXXX | 305035365 | XXXX A |
| XXXX | XXXX | 305039208 | XXXX A |
| XXXX | XXXX | 305035366 | XXXX C A |
| XXXX | XXXX | 305035306 | XXXX A |
| XXXX | XXXX | 305039297 | XXXX C A |
| XXXX | XXXX | 305039261 | XXXX C A B |
| XXXX | XXXX | 305039359 | XXXX C A |
| XXXX | XXXX | 305035371 | XXXX C A |
| XXXX | XXXX | 305035329 | XXXX A C |
| XXXX | XXXX | 305039316 | XXXX C A |
| XXXX | XXXX | 305039299 | XXXX A |
| XXXX | XXXX | 305035337 | XXXX D A |
| XXXX | XXXX | 305035349 | XXXX A |
| XXXX | XXXX | 305023759 | XXXX C A |
| XXXX | XXXX | 305039286 | XXXX A |
| XXXX | XXXX | 305039326 | XXXX C A |
| XXXX | XXXX | 305039298 | XXXX C A |
| XXXX | XXXX | 305039339 | XXXX C A |
| XXXX | XXXX | 305039219 | XXXX C A |
| XXXX | XXXX | 305039337 | XXXX C A |
| XXXX | XXXX | 305039369 | XXXX D A B |
| XXXX | XXXX | 305039217 | XXXX A |
| XXXX | XXXX | 305044755 | XXXX A |
| XXXX | XXXX | 305030827 | XXXX C A |
| XXXX | XXXX | 305035293 | XXXX A |
| XXXX | XXXX | 305039304 | XXXX A C |
| XXXX | XXXX | 305039361 | XXXX D A B |
| XXXX | XXXX | 305039277 | XXXX C A |
| XXXX | XXXX | 305039270 | XXXX C A |
| XXXX | XXXX | 305039230 | XXXX A C |
| XXXX | XXXX | 305039203 | XXXX C A |
| XXXX | XXXX | 305039218 | XXXX A B |
| XXXX | XXXX | 305044703 | XXXX A |
| XXXX | XXXX | 305039229 | XXXX A |
| XXXX | XXXX | 305039315 | XXXX D A B |
| XXXX | XXXX | 305030862 | XXXX C A |
| XXXX | XXXX | 305035400 | XXXX D A |
| XXXX | XXXX | 305039317 | XXXX C A |
| XXXX | XXXX | 305035413 | XXXX A |
| XXXX | XXXX | 305051978 | XXXX A |
| XXXX | XXXX | 305039330 | XXXX A |
| XXXX | XXXX | 305039233 | XXXX A |
| XXXX | XXXX | 305051957 | XXXX A |
| XXXX | XXXX | 305052025 | XXXX D A |
| XXXX | XXXX | 305039322 | XXXX D A |
| XXXX | XXXX | 305035422 | XXXX C A |
| XXXX | XXXX | 305051994 | XXXX A |
| XXXX | XXXX | 305051984 | XXXX A |
| XXXX | XXXX | 305051987 | XXXX C A |
| XXXX | XXXX | 305051968 | XXXX A |
| XXXX | XXXX | 305039335 | XXXX D A B |
| XXXX | XXXX | 305051927 | XXXX A C B |
| XXXX | XXXX | 305035309 | XXXX A |
| XXXX | XXXX | 305052002 | XXXX A |
| XXXX | XXXX | 305051928 | XXXX C A |
| XXXX | XXXX | 305051993 | XXXX D A B |
| XXXX | XXXX | 305051997 | XXXX C A |
| XXXX | XXXX | 305051985 | XXXX C A |
| XXXX | XXXX | 305051983 | XXXX A |
| XXXX | XXXX | 305051906 | XXXX C A |
| XXXX | XXXX | 305052029 | XXXX A |
| XXXX | XXXX | 305051904 | XXXX C A |
| XXXX | XXXX | 305051919 | XXXX C A |
| XXXX | XXXX | 305051891 | XXXX C A |
| XXXX | XXXX | 305052033 | XXXX D A |
| XXXX | XXXX | 305051890 | XXXX C A B |
| XXXX | XXXX | 305051986 | XXXX C A |
| XXXX | XXXX | 305051981 | XXXX D C A B |
| XXXX | XXXX | 305051953 | XXXX C A |
| XXXX | XXXX | 305051894 | XXXX A |
| XXXX | XXXX | 305051893 | XXXX A |
| XXXX | XXXX | 305051915 | XXXX C A |
| XXXX | XXXX | 305051931 | XXXX A |
| XXXX | XXXX | 305051973 | XXXX A C |
| XXXX | XXXX | 305051961 | XXXX C A |
| XXXX | XXXX | 305052024 | XXXX C A B |
| XXXX | XXXX | 305052019 | XXXX D A |
| XXXX | XXXX | 305051998 | XXXX D A |
| XXXX | XXXX | 305051954 | XXXX A |
| XXXX | XXXX | 305052022 | XXXX A C B |
| XXXX | XXXX | 305051960 | XXXX C A |
| XXXX | XXXX | 305051951 | XXXX A |
| XXXX | XXXX | 305051912 | XXXX C A |
| XXXX | XXXX | 305044704 | XXXX A C |
| XXXX | XXXX | 305052005 | XXXX C A |
| XXXX | XXXX | 305051989 | XXXX C A B |
| XXXX | XXXX | 305062493 | XXXX D A B |
| XXXX | XXXX | 305062488 | XXXX D A |
| XXXX | XXXX | 305051966 | XXXX C A |
| XXXX | XXXX | 305051965 | XXXX A |
| XXXX | XXXX | 305062513 | XXXX C A |
| XXXX | XXXX | 305062503 | XXXX A C |
| XXXX | XXXX | 305062555 | XXXX D A B |
| XXXX | XXXX | 305055914 | XXXX C A |
| XXXX | XXXX | 305062486 | XXXX D C A |
| XXXX | XXXX | 305062548 | XXXX A |
| XXXX | XXXX | 305062556 | XXXX D A |
| XXXX | XXXX | 305062530 | XXXX C A B |
| XXXX | XXXX | 305062532 | XXXX A C |
| XXXX | XXXX | 305062453 | XXXX C A |
| XXXX | XXXX | 305062506 | XXXX C A |
| XXXX | XXXX | 305062563 | XXXX C A B |
| XXXX | XXXX | 305062515 | XXXX A |
| XXXX | XXXX | 305062531 | XXXX C A |
| XXXX | XXXX | 305062529 | XXXX C A B |
| XXXX | XXXX | 305062536 | XXXX D A |
| XXXX | XXXX | 305062468 | XXXX C A |
| XXXX | XXXX | 305062452 | XXXX A |
| XXXX | XXXX | 305062447 | XXXX D C A |
| XXXX | XXXX | 305062549 | XXXX D A |
| XXXX | XXXX | 305062553 | XXXX C A |
| XXXX | XXXX | 305071137 | XXXX C A |
| XXXX | XXXX | 305062455 | XXXX C D A |
| XXXX | XXXX | 305062462 | XXXX C A |
| XXXX | XXXX | 305062483 | XXXX C A |
| XXXX | XXXX | 305062557 | XXXX A D B |
| XXXX | XXXX | 305071156 | XXXX D A |
| XXXX | XXXX | 305071155 | XXXX D A |
| XXXX | XXXX | 305071154 | XXXX D A B |
| XXXX | XXXX | 305062474 | XXXX C A |
| XXXX | XXXX | 305052001 | XXXX D C A |
| XXXX | XXXX | 305062512 | XXXX C A B |
| XXXX | XXXX | 305062496 | XXXX A |
| XXXX | XXXX | 305077647 | XXXX D C A |
| XXXX | XXXX | 305062464 | XXXX D A |
| XXXX | XXXX | 305071115 | XXXX C A |
| XXXX | XXXX | 305062511 | XXXX D A B |
| XXXX | XXXX | 305051922 | XXXX C A D B |
| XXXX | XXXX | 305071148 | XXXX C A |
| XXXX | XXXX | 305079403 | XXXX C B A |
| XXXX | XXXX | 305079402 | XXXX C B A |
| XXXX | XXXX | 305062550 | XXXX C A B |
| XXXX | XXXX | 305079383 | XXXX A |
| XXXX | XXXX | 305079381 | XXXX A |
| XXXX | XXXX | 305061801 | XXXX D C A B |
| XXXX | XXXX | 305062565 | XXXX A |
| XXXX | XXXX | 305078314 | XXXX D A C |
| XXXX | XXXX | 305071152 | XXXX C A |
| XXXX | XXXX | 305078332 | XXXX A |
| XXXX | XXXX | 305079394 | XXXX A |
| XXXX | XXXX | 305078350 | XXXX C D A B |
| XXXX | XXXX | 305071134 | XXXX A |
| XXXX | XXXX | 305078364 | XXXX A |
| XXXX | XXXX | 305078306 | XXXX A C B |
| XXXX | XXXX | 305078300 | XXXX A |
| XXXX | XXXX | 305079368 | XXXX C A B |
| XXXX | XXXX | 305079390 | XXXX A |
| XXXX | XXXX | 305078308 | XXXX D A |
| XXXX | XXXX | 305071153 | XXXX A |
| XXXX | XXXX | 305078296 | XXXX C A B |
| XXXX | XXXX | 305078338 | XXXX A |
| XXXX | XXXX | 305078322 | XXXX A |
| XXXX | XXXX | 305061874 | XXXX D A |
| XXXX | XXXX | 305078344 | XXXX C A B |
| XXXX | XXXX | 305078367 | XXXX A |
| XXXX | XXXX | 305078337 | XXXX C A |
| XXXX | XXXX | 305078353 | XXXX A C |
| XXXX | XXXX | 305071116 | XXXX C A |
| XXXX | XXXX | 305078368 | XXXX D A |
| XXXX | XXXX | 305078349 | XXXX C A |
| XXXX | XXXX | 305078342 | XXXX A |
| XXXX | XXXX | 305078321 | XXXX C A |
| XXXX | XXXX | 305078362 | XXXX D A |
| XXXX | XXXX | 305062174 | XXXX C A |
| XXXX | XXXX | 305078294 | XXXX C A B |
| XXXX | XXXX | 305079370 | XXXX C A |
| XXXX | XXXX | 305078302 | XXXX D B A |
| XXXX | XXXX | 305079384 | XXXX A C B |
| XXXX | XXXX | 305078307 | XXXX C A |
| XXXX | XXXX | 305078333 | XXXX D A |
| XXXX | XXXX | 305078365 | XXXX C A |
| XXXX | XXXX | 305078354 | XXXX C A D |
| XXXX | XXXX | 305078291 | XXXX C D A B |
| XXXX | XXXX | 305078316 | XXXX D C A B |
| XXXX | XXXX | 305078289 | XXXX D A |
| XXXX | XXXX | 305078361 | XXXX C A B |
| XXXX | XXXX | 305082116 | XXXX C A |
| XXXX | XXXX | 305078315 | XXXX A C D B |
| XXXX | XXXX | 305078357 | XXXX A |
| XXXX | XXXX | 305078358 | XXXX D C A |
| XXXX | XXXX | 305078366 | XXXX A |
| XXXX | XXXX | 305087358 | XXXX A |
| XXXX | XXXX | 305087222 | XXXX A |
| XXXX | XXXX | 305087252 | XXXX D C A B |
| XXXX | XXXX | 305087296 | XXXX C D A B |
| XXXX | XXXX | 305087288 | XXXX C A B |
| XXXX | XXXX | 305078286 | XXXX C A |
| XXXX | XXXX | 305087278 | XXXX A |
| XXXX | XXXX | 305062209 | XXXX A |
| XXXX | XXXX | 305087320 | XXXX D A B |
| XXXX | XXXX | 305079385 | XXXX D C A B |
| XXXX | XXXX | 305087319 | XXXX C A B |
| XXXX | XXXX | 305087389 | XXXX C A B |
| XXXX | XXXX | 305087369 | XXXX A |
| XXXX | XXXX | 305087366 | XXXX C A |
| XXXX | XXXX | 305061948 | XXXX D A B |
| XXXX | XXXX | 305087247 | XXXX A |
| XXXX | XXXX | 305087259 | XXXX C A |
| XXXX | XXXX | 305087318 | XXXX D A C |
| XXXX | XXXX | 305087329 | XXXX D C A |
| XXXX | XXXX | 305087283 | XXXX C A |
| XXXX | XXXX | 305087394 | XXXX A C |
| XXXX | XXXX | 305087316 | XXXX D C A |
| XXXX | XXXX | 305087368 | XXXX D A |
| XXXX | XXXX | 305087277 | XXXX D C A |
| XXXX | XXXX | 305078355 | XXXX A C |
| XXXX | XXXX | 305087302 | XXXX A |
| XXXX | XXXX | 305087402 | XXXX A |
| XXXX | XXXX | 305086830 | XXXX A |
| XXXX | XXXX | 305087264 | XXXX A |
| XXXX | XXXX | 305087291 | XXXX A |
| XXXX | XXXX | 305087258 | XXXX A |
| XXXX | XXXX | 305087401 | XXXX A |
| XXXX | XXXX | 305087253 | XXXX D B A |
| XXXX | XXXX | 305087373 | XXXX A |
| XXXX | XXXX | 305087261 | XXXX D B A |
| XXXX | XXXX | 305087241 | XXXX C B A |
| XXXX | XXXX | 305087338 | XXXX C A B |
| XXXX | XXXX | 305061988 | XXXX A |
| XXXX | XXXX | 305087290 | XXXX C A B |
| XXXX | XXXX | 305087342 | XXXX C A |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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 | XXXX | 304702235 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 304694458 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 304736272 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0879 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0879 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736270 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736278 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 72.11 | 72.11 | XXXX | XXXX | -.0394 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0394 | 94 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304736279 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0126 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.0126 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304892635 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| XXXX | XXXX | 304758127 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 304892633 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304856813 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304892637 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 304892634 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | XXXX | 304817022 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817034 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 304817037 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 69.58 | 69.58 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039372 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304825203 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304892632 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825171 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856666 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | XXXX | 304856806 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.89 | 69.89 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 304875585 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 304875562 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.28 | 51.28 | XXXX | XXXX | .0256 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0256 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304875512 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0757 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0757 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 304875514 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 51.28 | 51.28 | XXXX | XXXX | .1795 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1795 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875545 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304892630 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.45 | 74.45 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875580 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304875450 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875457 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.92 | 50.92 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 304875564 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0726 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0726 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875394 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875601 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875439 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.72 | 78.72 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 304875527 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.57 | 63.57 | XXXX | XXXX | .0137 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0137 | XXXX | 1004 URAR | XXXX | XXXX | -.0121 | 80 | 0.2 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875572 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892513 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892601 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 304875491 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875490 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304892604 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892508 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 304892583 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.12 | 64.12 | XXXX | XXXX | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0526 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 304896975 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0840 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0840 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 304875499 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892572 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0050 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0050 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896948 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | XXXX | 304896950 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0104 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0104 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 304896978 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.54 | 61.54 | XXXX | XXXX | -.0714 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0714 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304892561 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.63 | 71.63 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896902 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896979 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.57 | 78.57 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | XXXX | 305052026 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305039364 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.31 | 67.31 | XXXX | XXXX | .0067 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0067 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | XXXX | 305039366 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0251 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0251 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | XXXX | 305039345 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305023692 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0063 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0062 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304910091 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0200 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0200 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305023650 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030824 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.07 | 69.07 | XXXX | XXXX | -.0300 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0300 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 305029519 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.63 | 50.63 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305029341 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .1858 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1858 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030841 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305030825 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305030898 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035290 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305029520 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030865 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 49.74 | 49.74 | XXXX | XXXX | -.0576 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0576 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035342 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0419 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0419 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039248 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0842 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0842 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039276 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039275 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305035416 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0043 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0043 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035365 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305039208 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.64 | 79.64 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305035366 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 34.84 | 34.84 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305035306 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039297 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 305039261 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305039359 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035371 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035329 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039316 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039299 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035337 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035349 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0968 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0968 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023759 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0098 | 71A |  |  |  |  | XXXX | XXXX | -.0098 | XXXX | 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0412 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039286 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305039326 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.71 | 79.71 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305039298 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039339 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0195 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0195 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039219 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039337 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305039369 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305039217 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305044755 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030827 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035293 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 59.96 | 59.96 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039304 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305039361 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.2044 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.2044 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039277 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039270 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55 | 55 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039230 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039203 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039218 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.71 | 64.71 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305044703 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 57.91 | 57.91 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039229 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.81 | 69.81 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039315 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030862 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.73 | 59.73 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035400 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039317 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035413 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 305051978 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039330 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305039233 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0649 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0649 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305051957 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.17 | 61.17 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305052025 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 305039322 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035422 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051994 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0382 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0382 | 92 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051984 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051987 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051968 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039335 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051927 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | 91 | 0.09 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035309 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0388 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0388 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305052002 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051928 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051993 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | -.0040 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0040 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051997 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 59.86 | 59.86 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051985 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051983 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051906 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305052029 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.31 | 67.31 | XXXX | XXXX | .0128 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0128 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051904 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 54.9 | 54.9 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 305051919 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051891 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305052033 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305051890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | -.0040 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0040 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051986 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051981 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305051953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | XXXX | 305051894 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.53 | 64.53 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305051893 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051915 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0158 | 96 | 0.04 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051931 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051973 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.92 | 51.92 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051961 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305052024 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 305052019 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305051998 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051954 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305052022 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305051960 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305051951 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051912 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305044704 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 54.55 | 54.55 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305052005 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051989 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.97 | 68.97 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062493 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.2 | XXXX |
| XXXX | XXXX | 305062488 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.51 | 21.51 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051966 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | XXXX | 305051965 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2035 | 89 | 0.11 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062513 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | XXXX | 305062503 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305062555 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305055914 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305062486 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0611 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0611 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305062548 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305062530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.15 | 71.15 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062532 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062453 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0378 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0378 | 92 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062506 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 30.06 | 30.06 | XXXX | XXXX | .2883 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2883 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062563 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0229 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0229 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062515 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.86 | 49.86 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305062531 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| XXXX | XXXX | 305062529 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.15 | 46.15 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305062536 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305062468 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305062452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0035 | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062447 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.29 | 59.29 | XXXX | XXXX | -.0480 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0480 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305062549 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305062553 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305071137 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0690 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0690 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305062455 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062462 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305062483 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062557 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.73 | 73.73 | XXXX | XXXX | -.0323 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0323 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305071156 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.52 | 76.52 | XXXX | XXXX | .0559 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0559 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305071155 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.52 | 76.52 | XXXX | XXXX | .0461 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0461 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305071154 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.52 | 76.52 | XXXX | XXXX | .0630 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0630 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305062474 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305052001 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .7073 | 1004 URAR |  |  |  |  | XXXX | XXXX | .7073 | XXXX | 1004 URAR | XXXX | XXXX | .3240 | 49 | 0.51 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062512 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0176 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0176 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305062496 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305077647 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.74 | 79.74 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305062464 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 305071115 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062511 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051922 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071148 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305079403 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305079402 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305062550 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305079383 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305079381 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0071 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0071 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305061801 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | -.0146 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0146 | 97 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062565 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 305078314 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071152 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078332 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 305079394 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078350 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305071134 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078364 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078306 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305078300 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.33 | 79.33 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305079368 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305079390 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305078308 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305071153 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078296 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.42 | 42.42 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078338 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305078322 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078344 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078367 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078337 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305078353 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | XXXX | 305071116 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078368 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305078349 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078342 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.57 | 63.57 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 305078321 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305078362 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062174 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73 | 73 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305078294 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | -.0381 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0381 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | XXXX | 305079370 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305079384 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 305078307 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0137 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0137 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078333 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305078365 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 305078354 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .1429 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1429 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078291 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078316 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0947 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0947 | 90 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305078289 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078361 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.37 | 79.37 | XXXX | XXXX | .0159 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0159 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082116 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.51 | 84.51 | XXXX | XXXX | .0282 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0282 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305078315 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0327 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0327 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078357 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 305078358 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.07 | 47.07 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305078366 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79 | 79 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 305087358 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087222 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305087252 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 305087296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 305087288 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305078286 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087278 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0690 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0690 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062209 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.89 | 73.89 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305087320 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305079385 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305087319 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305087389 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087369 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.63 | 79.63 | XXXX | XXXX | .0239 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0239 | 97 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087366 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305061948 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.9 | 79.9 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087247 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305087259 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.88 | 41.88 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305087318 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0094 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0094 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 305087329 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.67 | 16.67 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305087283 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.64 | 67.64 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305087394 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 68.32 | 68.32 | XXXX | XXXX | .0891 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0891 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087316 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.26 | 72.26 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305087368 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | XXXX | .0149 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0149 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | XXXX | 305087277 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078355 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.15 | 46.15 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX | XXXX | 305087302 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.75 | 72.75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087402 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 2.3 | XXXX |
| XXXX | XXXX | 305086830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087264 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087291 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305087258 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.09 | 63.09 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 305087401 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305087253 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087373 | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.08 | 71.08 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | XXXX | 305087261 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305087241 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0015 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0015 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305087338 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 305061988 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305087290 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79 | 79 | XXXX | XXXX | .0198 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0198 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305087342 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.38 | 77.38 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**![](ex9911001.jpg)

![](ex9911002.jpg)

**June 8, 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** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 1 June 08, 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 9 residential loans. The due diligence for Hometown (9 loans) took place between July, 2025 and April, 2026.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired the diligence on the 9 loans reviewed for Hometown through a Reliance Letter purchase and selected these loans for the JPMMT 2026-NQX2 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 | 9 | 100.00% |
| **Total** | **9** | **100.00%** |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 2 June 08, 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:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*** <br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 9 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 9<br>|  |

---

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-NQX2 Due Diligence Narrative Report Page \| 3 June 08, 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.

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine whether funds to close and reserves were within
 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.

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (9 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.

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 4 June 08, 2026

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (9 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 below.

For loans reviewed:

○ 3 loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less and therefore did not require a 3<sup>rd</sup>party product.

○ 7 loans had a Desk Review in file to show support for value.

&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review

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

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

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 lender's 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.

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;

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 5 June 08, 2026

![](ex9911001.jpg)

– 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

● 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.

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 6 June 08, 2026

![](ex9911001.jpg)

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 the 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.

**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.

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Cash Reserves | 1 | 88.89% |
| DTI (Back) | 1 | 88.89% |
| Income (Calculated) | 1 | 88.89% |
| Loan Purpose | 1 | 88.89% |
| Months PITI Reserves | 2 | 77.78% |
| Product Type | 2 | 77.78% |

---

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 7 June 08, 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 (9 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 5 |  |  | 1 | **6** |
| **Final** | **B** |  | 1 | 1 | 1 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **1** | **1** | **2** | **9** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 6 |  | 1 | 1 | **8** |
| **Final** | B |  |  |  | 1 | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **0** | **1** | **2** | **9** |

---

**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 | 8 |  |  |  | **8** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **1** | **0** | **0** | **9** |

---

**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 | 4 |  |  | 1 | **5** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **4** | **0** | **1** | **1** | **6** |

---

The total count of loans that received a compliance review (6 loans) varies from the overall pool count (9 loans) due to investor loans not having applicability for compliance results.

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 8 June 08, 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. Rating
 Agency Attestations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Guideline
 Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating
 Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Supplemental
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Tape
 Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Valuations
 Report

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 9 June 08, 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-NQX2 Due Diligence Narrative Report Page \| 10 June 08, 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-NQX2 Due Diligence Narrative Report Page \| 11 June 08, 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 "its 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-NQX2 Due Diligence Narrative Report Page \| 12 June 08, 2026

![](ex9911001.jpg)

**Appendix B: Origination Appraisal Assessment** 

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

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

○ 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-NQX2 Due Diligence Narrative Report Page \| 13 June 08, 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. 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

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 14 June 08, 2026

![](ex9911001.jpg)

○ 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

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

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

F. Disclaimer

○ 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

G. Desk Review definitions

○ Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer.

○ ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing final value reconciliation used to grade the loan.

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 15 June 08, 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

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 16 June 08, 2026

![](ex9911001.jpg)

 ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ 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 the 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-NQX2 Due Diligence Narrative Report Page \| 17 June 08, 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-NQX2 Due Diligence Narrative Report Page \| 18 June 08, 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-NQX2 Due Diligence Narrative Report Page \| 19 June 08, 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 |  |

---

**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

JPMMT 2026-NQX2 Due Diligence Narrative Report Page \| 20 June 08, 2026

![](ex9911001.jpg)

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-NQX2 Due Diligence Narrative Report Page \| 21 June 08, 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-NQX2 Due Diligence Narrative Report Page \| 22 June 08, 2026

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

![EMBEDDED:F01A86804BB0071B1B33159D564CB2F4](claytonlogo.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732626 | XXXXXX | XXXXXX | Income (Calculated) | XXXXXX | XXXXXX |
| 304732554 | XXXXXX | XXXXXX | DTI (Back) | 47.0630 | 50.2432 |
| 304732554 | XXXXXX | XXXXXX | Months PITI Reserves | 6.0000 | 12.67 |
| 304840576 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 305062205 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 305062189 | XXXXXX | XXXXXX | Months PITI Reserves | 190.0000 | 107.88 |
| 305062175 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| 305062124 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |

---

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 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 $XXXXX 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 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 $XXXXX/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, $XXXXX , 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 XXXXXX to include taxes and insurance which increased debt. Reviewed income and updated SS income to $XXXX which increased in January and includes the 15% increase for non-taxable income. (Lender application/1008 reflects higher SS income of $XXXXX 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 50.24%. Max is 50%. Based on Income $XXXXX (SS is $XXXXX which is grossed up 115%) with Primary PITIA $XXXXX+ other REO $XXXXX + other debt $XXXXX + $XXXXX/$XXXXX = 50.24% 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 1/4% over limit or XXXXX. Compensating factors include: Credit score 663/660 minimum, 17+ year on job, minimal credit usage at 17.79% and 12.67 months cash reserves/ 0 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, $XXXXX, 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 XXXXXX to include taxes and insurance which increased debt. Reviewed income and updated SS income to $XXXXX which increased in January and includes the 15% increase for non-taxable income. (Lender application/1008 reflects higher SS income of $XXXXX 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. |
| 304840539 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing documentation supporting borrower is cleared from Fraud report. Borrower's name listed under the EPLS/SAM list | 10-13-25 Client emailed a rebuttal: We received the below suspense on this file. However the cleared information was already included on the report itself. This is at the bottom last page of the fraud report.10-13-25 Client uploaded SAM search. | 10-13-25 Clayton replied: I reviewed the file, and the fraud report has a note log by XXXXXX on 9-26-25 that the alert was cleared but I could not find any documentation in the file that was used to clear the alert. Please provide documentation used to clear alert. Exception remains. 10-14-25 Clayton reviewed SAM search with no hits. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 647 exceeds the minimum of 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 yrs residing in current residence<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $XXXXX/month or 4.32%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $78731.96, 10.75 months reserves, 0 months required |
| 305062205 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Property in ineligible as it is being used for single room occupancy per guidelines 1.9.2.2. Clayton considers this non material as borrower is experienced investor and property owner with 10 years as owner of primary home, LTV of 70% is below maximum of 75%, and credit score is 687/640. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. G/l max is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 687 and minimum is 640<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 305062189 | 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: 798 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 107.88 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 347 months of 0x30 consumer credit history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 120 months of 0x30 consumer credit history per CBR. |
| 305062175 | XXXXXX | (No Data) | XXXXXX | AK | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 83 months of 0x30 consumer mortgage history per VOM.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.43% LTV per review; 70% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 55.87 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 670 Qualifying credit score per CBR |
| 305062124 | XXXXXX | (No Data) | XXXXXX | CA | 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 |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.49 is below guideline requirement max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 31.04 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $55,381.33 or 5.26 months PITI reserve exceeds required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 721 exceeds guideline requirement of 720. |
| 305062112 | 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 |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $186,763.59 or 119.26 months PITI reserve exceeds required reserves of ($XXXXX x 3 = $XXXXX).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 718 exceeds guideline requirement of 700.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Subject PITI of $XXXXX represents a significant housing expense reduction or $XXXXX or 24.64% from previous PITI of $XXXXX. |
| 304840576 | XXXXXX | (No Data) | XXXXXX | AK | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.6 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has made mortgage payments on time for 3 years. |

---

## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 B | C | B C A | C | B | Not Applicable |
| 304732554 | XXXXXX | Yes | XXXXXX | XXXXXX D B | D | A D B | D | A | Not Applicable |
| 304840576 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840539 | XXXXXX | N/A | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305062205 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305062189 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062175 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305062124 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305062112 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *9* | *9* | *9* | *9* | **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 | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304732554 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.93% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840576 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840539 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062205 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062189 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062175 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.51% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062124 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| 305062112 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |

---

*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**

**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 three hundred and fifty-seven (357) residential mortgage loans, in connection with the securitization identified as JPMMT 2026-NQX2 (the "Securitization"). The Review was conducted from August 2024 through May 2026 on mortgage loans originated between July 2024 and April 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 (357 loans in total):

Two hundred thirty-nine (238) loans had a Desktop Review, four (4) loans had an AVM, eleven (11) loans had a BPO, and six (6) 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 three hundred and fifty-seven (357) mortgage loans reviewed, two hundred twelve (212) unique mortgage loans (59.38% by loan count) had a total of two hundred and ninety-six (296) tape discrepancies across thirty-three (33) 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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;93 | &nbsp;&nbsp;31.42% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;57 | &nbsp;&nbsp;19.26% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;19 | &nbsp;&nbsp;6.42% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.08% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.38% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.04% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.03% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.03% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;Qualifying Monthly P&I Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.01% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;NON QM Months Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**296** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 336 | $174781640.00 | 94.12% |
| Event Grade B | 21 | $13780472.00 | 5.88% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 357 | $188562112.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 342 | 95.80% |
| Event Grade B | 15 | 4.20% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 357 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 120 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 120 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 120 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 231 | 97.47% |
| Event Grade B | 6 | 2.53% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 237 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 355 | 99.44% |
| Event Grade B | 2 | 0.56% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 357 | 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;259 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance missing or Defective | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &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;The Final 1003 is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower has less than 2 FICO scores and does not meet minimum required to be scored. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit history does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 8 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Mortgage Insurance Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Business Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Deed of Trust Riders | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Security Instrument Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Interested Party Contributions exceed the Total Closing Costs | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**375** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Application/Processing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Closing Documentation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &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;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &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;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &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;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Closing disclosure loan terms- Monthly P&I | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**267** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;233 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal 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;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**246** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Project – Other Charter Violation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |

---

**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 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
|  | &nbsp;&nbsp;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;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &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

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 305035636 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063929 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Retirement assets used for reserves |
| 305063951 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305063941 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305063916 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305063940 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305092260 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cash out used as reserves |
| 305092293 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063970 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Only assets were derived from the cash in hand from the subject transaction. |
| 305063969 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305063957 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 305035680 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305063972 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305063985 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035787 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets, including proceeds from secured loan |
| 305063919 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, including business assets and housing expense |
| 305092189 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets resulted in updated reserves available. |
| 305035794 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035649 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305035741 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305063990 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305063920 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305035695 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Includes cash out proceeds |
| 305063858 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063860 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305063998 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305092266 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063988 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305087479 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, including HELOC and housing expense |
| 305063907 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305092200 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305063879 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305063948 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statements |
| 305063897 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Post Closing Assets |
| 305092201 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305092186 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063880 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, including business asset and housing expense |
| 305035701 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035650 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets |
| 305063999 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305063959 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063991 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063952 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in the loan file. |
| 305063925 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset Statement |
| 305063978 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cash out used as reserves |
| 305092254 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063905 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 305063993 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305092296 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305092270 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305092245 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves updated when asset balance updated. |
| 305063943 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets including retirement account |
| 305092211 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063898 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305092235 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Based on assets documented in the loan file. |
| 305092199 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305063921 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the documented assets. |
| 305092187 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305063953 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets, excluding gifts |
| 305035676 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the bank Statements |
| 305092192 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements minus reserves |
| 305063895 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305087429 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063936 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035665 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063917 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305092203 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets |
| 305035737 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statement minus reserves |
| 305035678 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305035723 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305092236 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements minus reserves |
| 305035829 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305035621 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305092287 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035652 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305063867 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves post closing |
| 305035816 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in the loan file. |
| 305092184 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the documented assets in the file. |
| 305087477 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305063961 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305064006 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, less deposited XXX Exchange, and including subject housing expense |
| 305063974 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per final CD cash out used for reserves |
| 305092195 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035679 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305063956 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the cash in hand for the subject transaction and other REO property. |
| 305063893 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305063955 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | used proceeds from other loan that borrower refinanced with lender #XXX plus using cash back for reserves XXX day open account |
| 305092271 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305092255 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035743 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305092233 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements minus reserves |
| 305092252 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305092257 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 304655302 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 304638067 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per the Initial 1003 provided. |
| 304655253 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304695052 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304704739 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 304823586 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304871815 | 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 |
| 304871713 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902474 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902695 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902782 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304893047 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initlal 1003 |
| 305037680 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305037667 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Loan Approval |
| 304902363 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003 |
| 305066584 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305050387 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066627 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305050544 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305066497 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066552 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066579 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066549 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305066595 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305066634 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305037568 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305066475 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305066509 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305078010 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305066515 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305066612 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305078097 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305066488 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066582 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 Loan Originator signature date. |
| 305078089 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as Per Initial 1003 |
| 305066638 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066544 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305050376 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305066617 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305077911 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305078131 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066560 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305050368 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as Per Initial 1003. |
| 305077936 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066517 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066349 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305066400 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066360 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305078022 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305066375 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003. |
| 305077803 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated As Per Initial 1003 Form |
| 305088724 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066484 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305066424 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305089009 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as Per 1003 initial |
| 305088881 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003 |
| 305092296 | XXXXX |  | ARM Initial Interest Rate Cap | XXX | XXX | Updated ARM intiial |
| 305035743 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | B1 is a XXX. |
| 305035679 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip verified. |
| 305035829 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Permanent alien per Final 1003 |
| 305035665 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip docs verified. |
| 305035766 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per XXX card |
| 305063972 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower is XXX |
| 305063943 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip updated |
| 305063921 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX. |
| 305063981 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip verified via docs. |
| 305063897 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per immigration documentation provided |
| 305092296 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Bwr Perm Res, ID on file |
| 305035679 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 305035723 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 305035605 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 305063894 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305063897 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Final 1003 |
| 305063864 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305063867 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | BWr is a FTHB |
| 305087468 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 305087484 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305092236 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305035621 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 305064010 | XXXXX |  | Calculated DSCR | XXX | XXX | Confirmed based on a 1st lien qualifying payment of XXX per month per guidelines. Audit is unable to determine exactly how Lender got XXX but it appears to be an issue with the qualifying payment utilized. |
| 305037680 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, per compliance entry. |
| 305037568 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per compliance review. |
| 305066638 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 305050368 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 305089009 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Compliance |
| 305035794 | XXXXX |  | Interest Only Flag | XXX | XXX | Fixed rate loan |
| 305035766 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 305035706 | XXXXX |  | Number of Units | XXX | XXX | Subject property is a XXX Unit |
| 305035706 | XXXXX |  | Property Type | XXX | XXX | Subject property is a XXX Unit |
| 305063961 | XXXXX |  | Property Type | XXX | XXX | XXX per Appraisal |
| 305063993 | XXXXX |  | Property Type | XXX | XXX | Subject property is Attached per appraisal |
| 305078097 | XXXXX |  | Property Type | XXX | XXX | Four Unit + PUD, per appraisal. |
| 305092266 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 304866925 | XXXXX |  | Property Value | $XXX | $XXX | Per the appraisal, the lower Purchase price was used to qualify. |
| 305066448 | XXXXX |  | Property Value | $XXX | $XXX | XXX per appraisal. |
| 305063985 | XXXXX |  | Qualifying CLTV | XXX | XXX | Purchase price was adjusted to accommodate excess seller credit exceeding closing cost |
| 305063991 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV rounding issue. |
| 305063951 | XXXXX |  | Qualifying CLTV | XXX | XXX | Appraised value XXX adjusts CLTV |
| 305066448 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX% per the correct appraised value of XXX The XXX indicates the lender used an appraised value of XXX |
| 305092271 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding |
| 305092261 | XXXXX |  | Qualifying CLTV | XXX | XXX | Rounding issue. |
| 305035766 | XXXXX |  | Qualifying FICO | XXX | XXX | Per Primary Wage Earner middle score |
| 305063994 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 305063943 | XXXXX |  | Qualifying FICO | XXX | XXX | Low Mid score used |
| 305064010 | XXXXX |  | Qualifying FICO | XXX | XXX | Confirmed on the credit report. |
| 305063905 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 305063866 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 305092236 | XXXXX |  | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 305092293 | XXXXX |  | Qualifying FICO | XXX | XXX | Per mid score of primary wage earner |
| 305092252 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary wage earner fico used. |
| 305092296 | XXXXX |  | Qualifying Interest Rate | XXX | XXX | Qualifying payment updated |
| 305063985 | XXXXX |  | Qualifying LTV | XXX | XXX | Purchase price was adjusted to accommodate excess seller credit exceeding closing cost |
| 305063991 | XXXXX |  | Qualifying LTV | XXX | XXX | LTV rounding issue. |
| 305063951 | XXXXX |  | Qualifying LTV | XXX | XXX | Appraised value XXX adjusts LTV |
| 305066448 | XXXXX |  | Qualifying LTV | XXX | XXX | XXX% per the correct appraised value of XXX The XXX indicates the lender used an appraised value of XXX |
| 305092271 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding |
| 305092261 | XXXXX |  | Qualifying LTV | XXX | XXX | Rounding issue. |
| 305063909 | XXXXX |  | Qualifying Monthly P&I Amount | $XXX | $XXX | Rounding |
| 305063929 | XXXXX |  | Qualifying Monthly P&I Amount | $XXX | $XXX | Qualifying payment |
| 305063998 | XXXXX |  | Qualifying Monthly P&I Amount | $XXX | $XXX | I/O only loan program. |
| 305092296 | XXXXX |  | Qualifying Monthly P&I Amount | $XXX | $XXX | XX/XX/XXXX ARM qualifying payment |
| 305092219 | XXXXX |  | Qualifying Monthly P&I Amount | $XXX | $XXX | Rounding |
| 305035735 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Desk review shows lower value at XXX |
| 305063920 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Per desk review |
| 305063961 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Per appraisal |
| 305063951 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Appraised value XXX adjusts LTV |
| 305063985 | XXXXX |  | Sales Price | XXX | XXX | Purchase price was adjusted to accommodate excess seller credit exceeding closing cost |
| 305089046 | XXXXX |  | Amortization Type | XXX | XXX | Note reflects adjustable rate |
| 305076982 | XXXXX |  | As-Is Value | $XXX | $XXX | XXX is XXX but we're using the BPO value of XXX to qualify |
| 304638186 | XXXXX |  | As-Is Value | $XXX | $XXX | As is value is XXX per appraisal |
| 304495494 | XXXXX |  | As-Is Value | $XXX | $XXX | As is value versus purchase price |
| 304685820 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX HOA |
| 304643478 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown is as follows: Income $XXX/ P&I XXX + Hazard Insurance XXX + Property Taxes XXX |
| 304867877 | XXXXX |  | DSCR | XXX | XXX | Breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance |
| 305066629 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305066596 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 305065257 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent / XXX PITIA = XXX DSCR |
| 305076982 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 305065248 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent - XXX Management)/ XXX PITIA |
| 305078014 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 305065259 | XXXXX |  | DSCR | XXX | XXX | XXX Lease (After Mgmt fee deduction)/ XXX PITIA = XX/XX/XXXX |
| 305078066 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 305077972 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent/ XXX PITIA = XXX DSCR |
| 305089010 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| 305089046 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| 305088870 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| 305076978 | XXXXX |  | DSCR | XXX | XXX | XXX Rents / XXX PITIA = XXX DSCR |
| 305088306 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305088857 | XXXXX |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 304866893 | XXXXX |  | DSCR | XXX | XXX | $XXX/ XXX = XX/XX/XXXX DSCR |
| 304734129 | XXXXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304643478 | XXXXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304909602 | XXXXX |  | Interest Rate | XXX | XXX | XXXd XX/XX/XXXX reflects XXX% |
| 304366875 | XXXXX |  | Interest Rate | XXX | XXX |  |
| 304643478 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Note reflects XXX |
| 304871422 | XXXXX |  | LTV | XXX | XXX | XXX/XXX |
| 304643478 | XXXXX |  | LTV | XXX | XXX | $XXX/$XXX |
| 305065259 | XXXXX |  | Monthly Insurance | XXX | XXX | Two HOI policies for Apt XXX and Apt XXX |
| 305078008 | XXXXX |  | Monthly Insurance | XXX | XXX | XXX Annual Premium / XXX months = XXX |
| 305076978 | XXXXX |  | Monthly Insurance | XXX | XXX | Includes three insurance policies |
| 305088306 | XXXXX |  | Monthly Insurance | XXX | XXX | Including XXX. |
| 305065248 | XXXXX |  | Monthly Taxes | XXX | XXX | Including City Tax |
| 305088913 | XXXXX |  | Monthly Taxes | XXX | XXX | Including City Tax of XXX |
| 304495494 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304638186 | XXXXX |  | Original LTV | XXX | XXX | XXX / XXX as is value = 47.62% LTV |
| 304643478 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX |
| 304909602 | XXXXX |  | P&I | XXX | XXX | XXXd XX/XX/XXXX reflects XXX |
| 305065248 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX |
| 305065259 | XXXXX |  | P&I | XXX | XXX | Note reflects P&I of XXX |
| 305078008 | XXXXX |  | P&I | XXX | XXX | Note Reflects XXX |
| 305078111 | XXXXX |  | P&I | XXX | XXX | P&I is XXX |
| 305088913 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX P&I |
| 305088870 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305076978 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305088306 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305089036 | XXXXX |  | PITIA | XXX | XXX | Tape is only reflecting P&I |
| 305066629 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX Tax + XXX HOA = XXX PITIA |
| 305066620 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins + XXX HOA = XXX PITIA |
| 305066616 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 305066516 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 305078066 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 305078111 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 305066454 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins = XXX PITIA |
| 304638186 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304904246 | XXXXX |  | Property County | XXX | XXX | Confirmed XXX as county as per the Deed of Trust |
| 305047755 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065260 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065257 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305076982 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065259 | XXXXX |  | Property Type | XXX | XXX | XXX units per Appraisal |
| 305076977 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305076980 | XXXXX |  | Property Type | XXX | XXX | XXX units |
| 305076974 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065247 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305076978 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305088306 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 304866893 | XXXXX |  | Property Type | XXX | XXX | Property is an attached PUD |
| 305029227 | XXXXX |  | Property Type | XXX | XXX | Confirmed the subject property is located in a PUD. |
| 304898064 | XXXXX |  | Borrower 1 FTHB | XXX | XXX |  |
| 304896696 | XXXXX |  | Qualifying FICO | XXX | XXX | Fico XXX low middle score confirmed from Cr Report. Per Guidelines, credit score applicable is the lowest of all representative credit scores. |
| 304860872 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO score of XXX is borrower's mid score. |
| 305042981 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is correct as per final note, XXX and AUS. |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 304494957 | XXXXX-XXX | XX/XX/XXXX | Credit | Closing Documentation | Deed Missing or Defective | Missing Deed from XXX to XXX XXX | XX/XX/XXXX XXX: Please see attached deed. | XX/XX/XXXX: Received conveyance deed |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304868100 | XXXXX-XXX | XX/XX/XXXX | 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 no PPP. | XXX XX/XX/XXXX Please see attached | XX/XX/XXXX: Received PPP addendum, confirmed XXX month PPP |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304868100 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XXX / XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 64.98%, FICO XXX DSCR XX/XX/XXXX | Acknowledged | XX/XX/XXXX | B |
| XXX | XXXXX | 304871422 | XXXXX-XXX | XX/XX/XXXX | 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 no PPP. | XXX XX/XX/XXXX Please see attached Change of Circumstance and Closing Disclosure from XX/XX/XXXX that shows the Prepayment penalty was added and the disclosure was sent to the borrower. | XX/XX/XXXX: Confirmed XXX month PPP |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304427495 | XXXXX-XXX | XX/XX/XXXX | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after lender name | XX/XX/XXXX XXX - See attached | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304427495 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance missing or Defective | Title Commitment Schedule A Item XXX(a) is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name | XX/XX/XXXX XXX - See attached | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304427495 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum insurance required | XX/XX/XXXX XXX-please she attached and clear. Thank You | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304417693 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Missing or Defective | Title Commitment Schedule A Item XXX(b) is MISSING MORTGAGEe name and clause. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name. | please see attached | Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304492354 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304458657 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304493266 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304492771 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | Title Commitment Schedule A Item XXX(b) is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | XXX / XX/XX/XXXX: After XX/XX/XXXX investor call, please waive. The title commitment is the ALTA Owners Policy XXX-XXX-XXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. XX/XX/XXXX (XXX-XXX-XXX). | XX/XX/XXXX: Rescinded |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304492771 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | XXX / XX/XX/XXXX: After XX/XX/XXXX investor call, please waive. The title commitment is the ALTA Owners Policy XXX-XXX-XXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. XX/XX/XXXX (XXX-XXX-XXX). | XX/XX/XXXX: Rescinded |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304641856 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum insurance required | XXX / XX/XX/XXXX: please see attached | XX/XX/XXXX: Received title insurance |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304643478 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304643363 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304679581 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XXX / XX/XX/XXXX: Title Policy | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304679645 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304681716 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304697050 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XXX / XX/XX/XXXX: Waived via XXX email | XX/XX/XXXX: Waived via XXX email | DSCR XXX FICO XXX LTV 74.09% | Acknowledged | XX/XX/XXXX | B |
| XXX | XXXXX | 304705154 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304692679 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304707675 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304684693 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX XXX. | XXX / XX/XX/XXXX: Title Policy | XXX / XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304688547 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304732135 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304481435 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304747352 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304734129 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304685820 | XXXXX-XXX | XX/XX/XXXX | 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. | XXX / XX/XX/XXXX: The security instrument has a XXX month PPP rider attached. | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304811760 | XXXXX-XXX | XX/XX/XXXX | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XXX / XX/XX/XXXX: attached | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304826775 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XXX / XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX LTV 70%, XXX months reserves | Acknowledged | XX/XX/XXXX | B |
| XXX | XXXXX | 304813206 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304813303 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304847862 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XXX1003: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304826967 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304858952 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304867877 | XXXXX-XXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XXX / XX/XX/XXXX: Waived | XX/XX/XXXX: Waived via overlay | Months Reserves XXX FICO XXX LTV 54.93% | Acknowledged | XX/XX/XXXX | B |
| XXX | XXXXX | 304860688 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304862129 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304868120 | XXXXX-XXX | XX/XX/XXXX | 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 with ISAOA and coverage amount to meet guideline requirements. | XXX / XX/XX/XXXX: Title Policy | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304856482 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304856481 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304856490 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304856477 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304896220 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304874810 | XXXXX-XXX | XX/XX/XXXX | Credit | Title or Lien | Title Insurance Missing or Defective | Address reflected on CPL and title commitment in file do not match subject property address reflected on note and appraisal: XXX XXX XXX , XXX XXX | XX/XX/XXXX CW: The CPL is not required to be an exact match as long as it is clearly referring to our transaction. Googling the address listed on the CPL leads to the subject property, there are no concerns that the CPL is for the wrong transaction. | XX/XX/XXXX: Confirmed CPL refers to subject transaction |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304896372 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304909602 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304366875 | XXXXX-XXX | XX/XX/XXXX | Credit | Loan Documentation | Application/Processing | Missing loan application | XXX / XX/XX/XXXX: Waived via email | XX/XX/XXXX: Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | XX/XX/XXXX | D B |
| XXX | XXXXX | 304366875 | XXXXX-XXX | XX/XX/XXXX | Credit | Loan Documentation | Closing Documentation | MISSING CONVEYAXXXE DEED from XXX to XXX | XXX / XX/XX/XXXX: Waived per XXX | XX/XX/XXXX: Waived per XXX | FICO XXX DSCR XXX months reserves | Acknowledged | XX/XX/XXXX | B |
| XXX | XXXXX | 304811693 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XXX / XX/XX/XXXX: Clear | XX/XX/XXXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304779662 | XXXXX-XXX | XX/XX/XXXX | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XXX / XX/XX/XXXX: Settlement Statement | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304779678 | XXXXX-XXX | XX/XX/XXXX | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing Articles of Incorporation for XXX XXX | XXX / XX/XX/XXXX: Entity Documentation | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304655302 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304655302 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304655302 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304638067 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304638067 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304638067 | FPRO8998 | XX/XX/XXXX | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304638066 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304638066 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(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 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304638066 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304638066 | FPRO8998 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.92% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.92% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304655253 | finding-XXX | XX/XX/XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% 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 is due to the increase in the Recording Fee from XXX to XXX and Title Endorsements from XXX to XXX on CD dated XXX. Please provide a Valid COC or Cure Package. | Document Uploaded. | PCCD and Final settlement Statement provided; Exception resolved; PCCD and Final settlement Statement 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 304655253 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304655253 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | No Property Issues. 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304695052 | finding-XXX | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304695052 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304695052 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304704739 | finding-XXX | XX/XX/XXXX | 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. \| XXX 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304704739 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304704739 | FPRO8998 | XX/XX/XXXX | 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. \| XXX 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304812613 | FCRE5116 | XX/XX/XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Borrowers have two existing mortgages on investment properties. The mortages were not included on the subject Credit Report and a VOM was not found for either property. | Document Uploaded. ; Document Uploaded. Both of the investment properties are present on the CR and both of their mortgage stmts + property profile were provided. All of these documents were originally uploaded with the package and can be found between pg XXX-XXX. I have re-attached for your convenience. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; A supplemental credit report verifies a XXX months mortgage history at 0x30 for both XXX and XXX.; Received mortgage Statements, a verification of mortgage from XXX and XXX were not reflected on the credit report. A verification of mortgage or alternative documentation showing the most recent XXX months history is 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 304812613 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304812613 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304817973 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304817973 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304817973 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304823586 | FPRO8998 | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304823586 | FCRE8999 | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304823586 | FCOM8997 | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304866925 | FCOM9186 | XX/XX/XXXX | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 304866925 | FCRE9995 | XX/XX/XXXX | 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 XXX 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 XXX. 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 | XX/XX/XXXX | 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 XXX 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 XXX. 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-XXX | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304866925 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304871815 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304871815 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893221 | FCOM3849 | XX/XX/XXXX | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 304893221 | FCOM5135 | XX/XX/XXXX | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 304893221 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893221 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304875883 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304875883 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304875883 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304871713 | finding-XXX | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304871713 | finding-XXX | XX/XX/XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% 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 – XXX 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 – XXX Anti Predatory Lending XXX Title – XXX 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 | XX/XX/XXXX | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 304871713 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304871713 | FCRE1196 | XX/XX/XXXX | 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. |  |  | 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 | XX/XX/XXXX | 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 | XX/XX/XXXX | 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. |  |  | 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 | 305035786 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035786 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035786 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304902474 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; 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. \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902474 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; 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. \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902474 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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. \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305025805 | FCOM1221 | XX/XX/XXXX | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust reflects XXX vs Entity Incorporation documents/Warranty Deed/Title reflect XXX XXX. | Document Uploaded. | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete |  | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305025805 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305025805 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304902695 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902695 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902695 | finding-XXX | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893038 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893038 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893038 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902782 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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% \| XXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 304902782 | finding-XXX | XX/XX/XXXX | 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 |  | 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% \| XXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 304902782 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304902782 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035743 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.07% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.07% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035743 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.07% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.07% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035743 | FPRO8998 | XX/XX/XXXX | 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 74.07% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 74.07% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035787 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | 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 | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035787 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035787 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035787 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035775 | FCRE1441 | XX/XX/XXXX | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Charge Off XXX XXX XXX was not paid off prior to or at closing. Individual collection and non-mortgage charge-off accounts totaling greater than XXX must be paid in full prior to or at closing per Investor Guidelines. | Document Uploaded. | Documentation is sufficient. Credit supplement provided. Reserves are sufficient to cover the account. Exception resolved.; Delinquent Credit History Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035775 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035775 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage 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 higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035775 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035754 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035754 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035754 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035735 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035735 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035735 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035716 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035716 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035716 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304904246 | FCRE1316 | XX/XX/XXXX | 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 XXX, or after the XXX 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 304904246 | FCRE1193 | XX/XX/XXXX | 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 XXX | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 304904246 | finding-XXX | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304904246 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035794 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035794 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035794 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 63.23% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.23% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035768 | FCRE4963 | XX/XX/XXXX | Credit | Debt | No evidence of required debt payoff | Missing evidence of the payoff of the XXX account #XXX on the final Closing Disclosure - Final 1003 shows the XXX #XXX will be paid off at close. | Document Uploaded. | Amex account not paid off at closing Per 1003. However, a Credit Exception was provided, using Asset Assist, and citing compensation factors of significant residual income of XXX time on job of XXX years for B1 and XXX years for B2 and the mortgage paid on time for XXX months. Acknowledged and downgraded. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305035768 | FCRE1347 | XX/XX/XXXX | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing third party Verbal VOE for XXX XXX prior to closing from XXX - Lender provided Verbal VVOE but name of employer id The Justice Reform/previous employer. | Document Uploaded. | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305035768 | FCRE6737 | XX/XX/XXXX | Credit | Missing Doc | Missing Letter of Explanation (Income) | Missing employment gap letter for Borrower 2 - Application shows employment gap in the last XXX months from XX/XX/XXXX - XX/XX/XXXX. | Document Uploaded. | Documentation is sufficient. Gap letter not required. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305035768 | FCRE1148 | XX/XX/XXXX | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Missing evidence sufficient title coverage equal to the total subject lien XXX | Document Uploaded. | Documentation is sufficient. Updated Title Commitment provided. Exception resolved.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305035768 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035738 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035738 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035738 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035695 | FCRE9178 | XX/XX/XXXX | Credit | Eligibility | Borrower has less than 2 FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | rescind, please | Documentation is sufficient. Foreign National program. Exception rescinded.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored..; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Foreign National is acceptable per program. ; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored..; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Foreign National is acceptable per program. ; Borrower(s) FICO score meets guidelines.; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored..; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. Foreign National is acceptable per program. |  | Rescinded |  | A |
| XXX | XXXXX | 305035695 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035695 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035741 | FCRE1254 | XX/XX/XXXX | Credit | Title | Property Title Issue | Property Title Issue Title vesting is in the name of XXX XXX vs note, mortgage and operating agreement reflect XXX XXX. The #XXX requirement on the title report is a mortgage from XXX XXX a/k/a XXX XXX to XXX. The a/k/a was left off of the XXX signing on the documents. |  | Property Title Issue Resolved - Received correction instruction reflecting the mortgage vesting being updated to reflect XXX XXX a/k/a XXX XXX, which has been notarized and submitted to be recorded. Exception resolved. |  | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035741 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035741 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035678 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035678 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035678 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035755 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 62.5% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035755 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 62.5% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035755 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 62.5% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035755 | finding-XXX | XX/XX/XXXX | 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 |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 62.5% 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035652 | FCRE9780 | XX/XX/XXXX | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing the fully executed Business Purpose Disclosure to complete the audit. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided |  | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305035652 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035652 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035782 | FCOM1233 | XX/XX/XXXX | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 reflects subject property and XXX XXX as borrowers primary residence. Lender to confirm occupancy, and provide an updated executed 1003. | Document Uploaded. ; please send back, wrong doc ; Document Uploaded. | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present; No document. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305035782 | FCRE1193 | XX/XX/XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit was not able to use any rental income from the leases as the borrower is already receiving credit for the rental income on the bank Statement income as the bank Statements reflect the rent received. Unable to use the rental income twice. | Document Uploaded. | Documentation is sufficient. New worksheet, SSI document provided. Exception resolved.; 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. | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035782 | FCRE1204 | XX/XX/XXXX | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud report reflects: Borrower owns one or more properties with a higher value or size than the declared owner occupied property; Input address does not match the address associated with the APN. | Document Uploaded. Tax cert matches APN and address. | Documentation is sufficient. Tax cert, LOE provided. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035782 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035782 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035703 | FCOM8997 | XX/XX/XXXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 42.49% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 42.49% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035703 | FPRO8998 | XX/XX/XXXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 42.49% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 42.49% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035703 | FCRE8999 | XX/XX/XXXX | 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 42.49% is less than Guideline CLTV of 70% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 42.49% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035679 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage 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 higher-priced mortgage loans even if the additional conditions are met. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.56% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.56% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035679 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.56% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.56% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035679 | FCRE8999 | XX/XX/XXXX | 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% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.56% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.56% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035679 | FPRO8998 | XX/XX/XXXX | 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% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.56% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.56% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035829 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035829 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035829 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035723 | FCRE1198 | XX/XX/XXXX | 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) Total assets, XXX - $XXX(funds due from borrower)=$XXX-$XXX(required XXX months reserves)=$-XXX. Required reserves, $XXX($XXX\*XXX months). Actual reserves, $XXX/$XXX=XXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Audited Reserves of XX/XX/XXXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035723 | FCRE9995 | XX/XX/XXXX | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Total assets, XXX - $XXX(funds due from borrower)=$XXX-$XXX(required XXX months reserves)=$-XXX | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035723 | FCRE1486 | XX/XX/XXXX | Credit | Assets | Asset 8 Does Not Meet Guideline Requirements | Asset 8 Does Not Meet Guideline Requirements Statement for Certificate of Deposit, XXX, #XXX, is missing from the loan file. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Asset 8 Meets Guideline Requirements Or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035723 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035723 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035636 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035636 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035636 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035816 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035816 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035816 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035803 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.59% is less than Guideline CLTV of 70% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.59% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035803 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.59% is less than Guideline CLTV of 70% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.59% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035803 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.59% is less than Guideline CLTV of 70% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 20.59% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035753 | FVAL2477 | XX/XX/XXXX | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Missing page XXX of XXX of the Enhanced Desk Review form. | Document Uploaded. | Documentation is sufficient. Desk Review provided. Exception resolved. |  | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035753 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035753 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035722 | finding-XXX | XX/XX/XXXX | 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. |  | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035722 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035722 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035621 | FCRE9785 | XX/XX/XXXX | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Purchase contract reflects personal items included in the XXX: Kitchen table and chairs. Per lender guidelines any personal property transferred through a property sale must be deemed to have zero transfer value, as indicated by the sales contract. If any value is associated with the personal property, the XXX and appraised value must be reduced by the personal XXX for purposes of calculating the LTV/CLTV/HCLTV. | Document Uploaded. No value comments on page XXX | Documentation provided is sufficient. Exception resolved. ; Purchase Contract Doc is complete. | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305035621 | FCRE1326 | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing P&L provided is in the wrong company's name. It should be XXX, not XXX. Income subject to recalculation. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Borrower 1 YTD Profit & Loss 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305035621 | FCRE1479 | XX/XX/XXXX | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX% access letter for XXX #XXX as his spouse is also on the account. | no longer required; please rescind. | Documentation is sufficient. Letter not required. Exception rescinded.; Asset Record XXX Meets G/L Requirements |  | Rescinded |  | A |
| XXX | XXXXX | 305035621 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035621 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035762 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035762 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035762 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035666 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035666 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035666 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035650 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035650 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035650 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893047 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 304893047 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893047 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035706 | FCRE1204 | XX/XX/XXXX | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The subject property is located in the same zip code as a XXX Site. Audit was unable to verify via appraisal or any other documentation that this matter was addressed/cleared. | Document Uploaded. After researching the Active XXX Sites through the EPA Website Search, it was found that the property is NOT in an active XXX Site. Additionally, the Appraisal Report makes no reference to any Adverse Site Conditions on the subject property. | Documentation is sufficient. XXX search provided. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 65% | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035706 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.65% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 65% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035706 | FPRO8998 | XX/XX/XXXX | 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 40.65% is less than Guideline CLTV of 65% \| XXX is Below the Guideline Maximum - Calculated LTV of 40.65% is less than Guideline LTV of 65% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035676 | FCOM8997 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035676 | FCRE8999 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035676 | FPRO8998 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035665 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035665 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035665 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035701 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035701 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035701 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035680 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035680 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035680 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035649 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035649 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035649 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035699 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035699 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035699 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035737 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035737 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035737 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305035766 | finding-XXX | XX/XX/XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | 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. The file is missing a valid COC to support the following fee increase: - The Recording Fee increased from XXX to XXX on the revised CD dated XX/XX/XXXX. The file contains a COC dated XX/XX/XXXX, which States that the "recording fees increased to XXX due to XXX change." However, an increase in the XXX is not a valid reason for an increase to the Recording fees. The file does not contain a valid COC for the increase of this fee. 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). | 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 | 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 | Cured |  | C B |
| XXX | XXXXX | 305035766 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035766 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035766 | FCRE1437 | XX/XX/XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require the most recent XXX month P&L. The P&L Statement provided reflects a XX/XX/XXXX month period, XXX-XXX. In addition, Guidelines State the end date cannot exceed more than sixty days old prior to the XXX. The end date of, XXX, exceeds XXX days to the XXX, XXX. A most recent XXX month Profit and Loss Statement within XXX days of the XXX, XXX, is required. | Document Uploaded. | Documentation is sufficient. Updated P & L provided. Exception resolved.; Income and Employment Meet Guidelines | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305035766 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035605 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035605 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305035605 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305043895 | FCRE0377 | XX/XX/XXXX | 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. XXX 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. XXX 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% \| XXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305043895 | FCOM3849 | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305043895 | FCRE1437 | XX/XX/XXXX | 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. MaxEx Non-QM Guidelines v12- Section XX/XX/XXXX require bonus income to have a minimum of two year history. | MaxEx 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. MaxEx 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% \| XXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305043895 | FPRO1245 | XX/XX/XXXX | 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% \| XXX 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-XXX | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305043895 | finding-XXX | XX/XX/XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% 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% \| XXX 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 |
| XXX | XXXXX | 305043895 | FPRO8998 | XX/XX/XXXX | 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% \| XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037680 | FCOM3608 | XX/XX/XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required: Intent to proceed | Document Uploaded. | Proof of Intent to Proceed has been 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305037680 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037680 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037667 | FCRE1193 | XX/XX/XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX month bank Statement average Lender used XXX Audit used XXX the DTI increased from XXX% to XXX% which exceeds the program maximum of XXX% Audit excluded XXX more in deposit for the month of XXX in XXX, XXX in XXX, XXX im XXX and XXX in XXX XXX | Document Uploaded. exception from management, please see attached | Loan exception decision provided. "Exception approved for exceeding the max allowed DTI of XXX% Audited DTI is XXX% which is XXX% above the max allowed." | 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 C B |
| XXX | XXXXX | 305037667 | finding-XXX | XX/XX/XXXX | 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, not a condition needing 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037667 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | please clear, not a condition we need to clear. |  | 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 A |
| XXX | XXXXX | 304902363 | finding-XXX | XX/XX/XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% 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 is due to the increase of the Recording Fee from XXX to XXX on the Final CD 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. | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 65% | Cured |  | C B |
| XXX | XXXXX | 304902363 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 65% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304902363 | FCRE8999 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 65% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304902363 | FPRO8998 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 47.3% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.3% is less than Guideline CLTV of 65% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063994 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063994 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063994 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063985 | FCRE0404 | XX/XX/XXXX | Credit | Data | The Interested Party Contributions exceed the Total Closing Costs | Interested Party Contributions exceed Total Closing Costs. On the Property page, navigate to the Purchase Contract card and reduce the XXX by the excess amount. Seller Credit of $XXX exceeds borrower's total closing costs XXX by XXX which would now be considered part of the borrower's down payment. Program guidelines indicate that IPC's cannot be used towards borrower down payment and that both the appraisal value and XXX must be reduced by the concession that exceeds the limit. An updated XXX and final UW Approval required reflecting both appraisal value and XXX of XXX with updated LTV calculations. | Document Uploaded. | Documentation is sufficient. Updated CD and bank Statement provided. Exception resolved.; The XXX has been adjusted accordingly. Issue is resolved. |  | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305063985 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063985 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063980 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 44% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063980 | FPRO8998 | XX/XX/XXXX | 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 44% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 44% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063980 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 44% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063978 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063978 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063978 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063972 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063972 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063972 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063970 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063970 | FPRO8998 | XX/XX/XXXX | 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 65% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063970 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063950 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063950 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063950 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063938 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.84% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063938 | FPRO8998 | XX/XX/XXXX | 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 48.84% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063938 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.84% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 48.84% is less than Guideline LTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063991 | FPRO8998 | XX/XX/XXXX | 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 60.19% is less than Guideline CLTV of 80% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.19% is less than Guideline LTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063991 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 80% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.19% is less than Guideline LTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063991 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.19% is less than Guideline CLTV of 80% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.19% is less than Guideline LTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063977 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063977 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063977 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063969 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063969 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063964 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063964 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063964 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063936 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063936 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063936 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063920 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063920 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063920 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063916 | FPRO8998 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.32% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.32% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063916 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.32% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.32% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063916 | FCOM8997 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.32% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.32% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063909 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063909 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063909 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063903 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 28.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.82% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063903 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 28.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.82% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063903 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 28.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.82% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063974 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063974 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063974 | FCOM8997 | XX/XX/XXXX | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063961 | FCOM8972 | XX/XX/XXXX | Credit | Missing Doc | Missing Deed of Trust Riders | Missing 1-4 Family Rider | Document Uploaded. | Documentation is sufficient. 1-4 Family Rider provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063961 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063961 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063951 | FCRE1183 | XX/XX/XXXX | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Appraised value on lender approval / XXX is XXX vs Appraisal report reflecting XXX | Document Uploaded. Please see notes on XXX-appraisal value is correct for this situation. | Documentation is sufficient. XXX and approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305063951 | FCRE2009 | XX/XX/XXXX | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage Homeowner insurance policy reflects Rent loss coverage is included but the premium not Stated on the policy | Document Uploaded. | Documentation is sufficient. Policy provided. Exception resolved.; Rent Loss Coverage Present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063951 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063951 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063941 | FCRE9780 | XX/XX/XXXX | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing executed Business Purpose Affidavit disclosure. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided |  | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063941 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063941 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063929 | FCRE1183 | XX/XX/XXXX | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Approval and XXX reflect the interest only payment. Guidelines reflect the qualifying payment is the amortized payment after the interest only period is over for the remaining period. | Document Uploaded. | Documentation is sufficient. Updated approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | XXX is Below the Guideline Maximum - Calculated LTV of 68.44% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305063929 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 68.44% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063929 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 68.44% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.44% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063877 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063877 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063877 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063953 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063953 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063953 | FCOM8997 | XX/XX/XXXX | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063948 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063948 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063948 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063946 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063946 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063946 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063943 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063943 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063943 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063940 | FCRE2109 | XX/XX/XXXX | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Missing income worksheet for XXX Bank Statement. | Document Uploaded. | Documentation is sufficient. Income calculation worksheet 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063940 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063940 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305064010 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 47.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.7% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064010 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 47.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.7% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064010 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 47.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.7% 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063921 | FCRE3653 | XX/XX/XXXX | Credit | Missing Doc | Missing letter of explanation | Letter of explanation from the borrower addressing the occupancy indicates the borrower is separated from spouse and she will occupy the property at XXX XXX. Missing further explanation from borrower addressing if there is a legal separation agreement or if this was part of a verbal agreement. | Document Uploaded. | Documentation is sufficient. Explanation provided is acceptable, Final 1003 reflects married. 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063921 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063921 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063911 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | 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% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063911 | FPRO8998 | XX/XX/XXXX | 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 75% is less than Guideline CLTV of 85% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063911 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | 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% \| 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063894 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.83% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.83% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063894 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.83% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.83% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063894 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.83% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.83% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063894 | finding-XXX | XX/XX/XXXX | 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. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of 58.83% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.83% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064006 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.92% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.92% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064006 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.92% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.92% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064006 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.92% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 34.92% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064004 | FPRO8998 | XX/XX/XXXX | 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 51.5% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064004 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064004 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.5% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 51.5% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063997 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the co-borrower's investment property housing payment located in XXX. Mortgage Statement, property taxes, hazard insurance, HOA dues to be verified. | Document Uploaded. | Documentation is sufficient. Mortgage Statement 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063997 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063997 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063981 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063981 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063981 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063925 | FCRE8999 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.45% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 76.45% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063925 | FPRO8998 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.45% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 76.45% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063925 | FCOM8997 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 76.45% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 76.45% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063918 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063918 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063918 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063905 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063905 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063905 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063897 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063897 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063897 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063895 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063895 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063895 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063893 | FCRE7347 | XX/XX/XXXX | Credit | Missing Doc | Missing Lease Agreement | The lender is utilizing the lease amount Stated on the Appraisal but loan file does not contain a lease agreement. | we are not qualifying above market rents, we do not need a lease. | Documentation is sufficient. Below market rents utilized. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063893 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063893 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063884 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063884 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063884 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063880 | FCOM1221 | XX/XX/XXXX | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Borrower and non-borrowing spouse executed the Mortgage on, XXX. The Notary date is, XXX. A Mortgage with matching Borrower signature and Notary dates is required. | Document Uploaded. | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063880 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063880 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063864 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063864 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063864 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063858 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063858 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063858 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.28% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.28% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063931 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063931 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063931 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063919 | FCOM8997 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063919 | FPRO8998 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063919 | FCRE8999 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063904 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063904 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063904 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063879 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063879 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063879 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063860 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063860 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063860 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063999 | FCOM8997 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063999 | FCRE8999 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063999 | FPRO8998 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063990 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063990 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063990 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063956 | FCRE5116 | XX/XX/XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. According to the mortgage Statement in the loan file, the primary residence mortgage lien is due for the XX/XX/XXXX and XX/XX/XXXX payments. The subject loan closed XX/XX/XXXX, therefore confirmation of the XX/XX/XXXX and XX/XX/XXXX payments is required. | Document Uploaded. ; Document Uploaded. | Documentation is sufficient. VOM provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063956 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the taxes, insurance, and P&I payments for the three XXX investment properties refinanced with the LenderXXX, XXX, XXX XXX XXX, XXX, XXX XXX XXX, XXX XXX XXX The Final closing disclosures verifying the PI amounts were not executed by the borrower. | Document Uploaded. | Documentation is sufficient. CD, Note and DOT for REO's 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063956 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063956 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063955 | FCRE0360 | XX/XX/XXXX | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage Statement for Primary Residence at XXX XXX XXX showing payment due date of XX/XX/XXXX and credit report last verified XX/XX/XXXX., mortgage verification for XX/XX/XXXX and XX/XX/XXXX payment is required. | Document Uploaded. ; Document Uploaded. payoff shoes next due as XX/XX/XXXX | Documentation is sufficient. VOM provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305063955 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing new refinance documentation, for all REO Properties, CD provided are not executed, XXX XXX, XXX, XXX XXX XXX, XXX, XXX XXX XXX, XXX XXX XXX | Document Uploaded. | Documentation is sufficient. CD, Note and DOT provided for REO's. 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063955 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063955 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063935 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063935 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063935 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063917 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063917 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063917 | finding-XXX | XX/XX/XXXX | 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. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063913 | FCOM1233 | XX/XX/XXXX | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Need the Final 1003's to include the HOA dues for XXX XXX, XXX XXX. and XXX XXX. | Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present; The 1003 provided is for B1, but the two REO properties with HOA figures to be added are for B2. Need updated 1003 for B2. Exception remains. | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063913 | FCRE1183 | XX/XX/XXXX | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Approval and XXX do not reflect the XXX amounts of housing and liability costs with correct HOA dues and taxes for all housing amounts. | Document Uploaded. | Approval/Underwriting Summary is fully present | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305063913 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need verification of the annual amount of HOA dues for XXX XXX. and XXX XXX XXX. Bank Statements show payment, but it is unclear if these are annual amounts. | Document Uploaded. | Documentation is sufficient. HOA documents for REO's 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063913 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063913 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063907 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063907 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063907 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063890 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063890 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063890 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063869 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063869 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063869 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.75% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 31.75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063863 | FCRE1183 | XX/XX/XXXX | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final 1003 reflects a PITI of XXX but the Approval shows $XXX. Need an Approval to match the 1003. | Document Uploaded. | Documentation is sufficient. Updated approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305063863 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063863 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305064002 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305064002 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305064002 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063998 | FCRE8999 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063998 | FPRO8998 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063998 | FCOM8997 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 62.78% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.78% is less than Guideline CLTV of 80% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063993 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063993 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063993 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063988 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063988 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063988 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063967 | FCOM8997 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063967 | FCRE8999 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063967 | FPRO8998 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063959 | FCRE1480 | XX/XX/XXXX | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Executed, Final CD's validating cash out for REO's, XXX and XXX XXX., are required. | Document Uploaded. | Documentation is sufficient. Final CD's provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or Not Applicable | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305063959 | FCRE7495 | XX/XX/XXXX | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Documentation verifying property tax and hazard premiums for REO's, XXX and XXX XXX. is required. | Document Uploaded. | Documentation is sufficient. Final CD's, Note and Deed of Trust documents 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063959 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063959 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063957 | FCRE1182 | XX/XX/XXXX | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Final Loan Approval and XXX Needed to verify DTI. | Document Uploaded. | Documentation is sufficient. XXX and approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305063957 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063957 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063952 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063952 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063952 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063898 | FCRE0377 | XX/XX/XXXX | 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 HOI does not reflect any additional replacement cost coverage. | Document Uploaded. in the remarks of the binder you will see that they State this policy provided replacement cost coverage. | Documentation is sufficient. Replacement cost coverage in effect. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305063898 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing tax certificate for Primary residence XXX. Documentation provided reflects address as XXX and the parcel number does not match Fraud Report. | Document Uploaded. | Documentation is sufficient. Tax bill provided. 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305063898 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063898 | FCOM8997 | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063886 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063886 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063886 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305063867 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063867 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063867 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063866 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063866 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305063866 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066584 | FCRE2900 | XX/XX/XXXX | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. The Final 1003 reflects that Borrower 1 is a Non-XXX. The required identification was not found in the loan file. | Document Uploaded. ; Document Uploaded. | Borrower Identification Document provided.; Corrected 1003. ; Client provided 1003 still reflecting Non-perm. No required identification attached. Countered. | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066584 | FCRE1374 | XX/XX/XXXX | Credit | Income/Employment | Borrower 2 Business Bank Statements Less Than 12 Months Provided | The loan was approved using the XXX month bank Statement program. The subject loan qualified using asccounts ending in XXX and XXX The account ending in XXX is missing the bank Statement for XXX | Document Uploaded. | Statement 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066584 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066584 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050387 | FCOM8663 | XX/XX/XXXX | Compliance | TRID | TRID: Closing disclosure loan terms- Monthly P&I | Closing disclosure loan terms- P&I XXX does not match Note XXX Lender used full payment to qualify, not the IO payment. | Please refer to guides XX/XX/XXXX TRID (Non-Business purpose) Loan Terms. This loan is a TRID (Non Business Purpose) under interest only. Non QM Interest Only product. Under the TRID Core guidelines dated XX/XX/XXXX, the qualifying payment for an interest only loan must be the fully amortizing PITIA, not the interest only payment. Although the IO payment of XXX applies for the first XXX years, the borrower must be qualified using the full amortizing payment of XXX as this represents the highest payment the borrower will be required to make during the loan term. Therefore, the lender correctly used the full PITIA for qualification, and the difference between the CD IO payment and the Note's fully amortizing payment is expected and compliant with product guidelines. | Note and Final CD P&I match | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70% \| 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305050387 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050387 | FPRO8998 | XX/XX/XXXX | 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 44.9% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066627 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066627 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066627 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050544 | FCRE1193 | XX/XX/XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit used monthly child support of XXX vs lender used XXX per month. Audit used the current balance amount due of XXX x XXX% per print out from the child support division vs lender used the balance of XXX per the credit report. | Document Uploaded. Based on the supporting documentation in the file, the child support obligation was properly reviewed, and its exclusion from qualifying is warranted. The documentation confirms the obligation has been fully satisfied. An XXX page Statement in the file shows the balance decreasing over time, ending at –$XXX. This verifies that the child support balance is below zero and should no longer be considered an ongoing monthly obligation. | Evidence provided satisfying child support obligation - Rescinded |  | Rescinded |  | A |
| XXX | XXXXX | 305050544 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050544 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066497 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066497 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066497 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066552 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066552 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066552 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066579 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066579 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066579 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066549 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066549 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066549 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305050438 | finding-XXX | XX/XX/XXXX | 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 |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050438 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050438 | FPRO8998 | XX/XX/XXXX | 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 70% is less than Guideline CLTV of 90% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066595 | finding-XXX | XX/XX/XXXX | 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 of the Lender Credits on the CD dated XXX and the file is missing the COC explaining the reason for why the fee decreased. Please provide a Valid COC or Cure Package | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066595 | FCRE8999 | XX/XX/XXXX | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066595 | FPRO8998 | XX/XX/XXXX | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066634 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066634 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066634 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066355 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066355 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066355 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037568 | FCRE9995 | XX/XX/XXXX | 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 provide five months reserves, orXXX. The file contained only XXX in verified reserves. Please provide additional assets. | Document Uploaded. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided explanation and refund evidence. | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305037568 | FCRE1198 | XX/XX/XXXX | 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 provide five months reserves, or $XXX. The file contained only XXX or XX/XX/XXXX months in verified reserves. Please provide additional assets. | Document Uploaded. | Audited Reserves of XX/XX/XXXX 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305037568 | FCRE3843 | XX/XX/XXXX | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The file requires XXX months reserves, or XXX in verified assets. Please provide additional assets. |  | The required number of months reserves are to be seasoned does meet Guideline requirement. | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305037568 | FCRE1482 | XX/XX/XXXX | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements The Borrower's post dated XXX account Statement indicates a wire in the amount of XXX The source of these funds is unable to be determined. | Document Uploaded. | Asset 4 Meets Guideline Requirements Or Not Applicable; Evidence provided showing Transfer Credit. Asset 4 condition 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305037568 | FCRE1159 | XX/XX/XXXX | 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 XXX-XXX-XXX. Please provide an updated hazard insurance with an effective date of XX/XX/XXXX. | Document Uploaded. | 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.; Settlement Statement shows closing as XXX-XXX-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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305037568 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305037568 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066475 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066475 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066475 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066509 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX 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 \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066509 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| XXX 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 \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066509 | FPRO8998 | XX/XX/XXXX | 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 80% is less than Guideline CLTV of 90% \| XXX 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 \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087479 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087479 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087479 | finding-XXX | XX/XX/XXXX | 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. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305078010 | FCOM9186 | XX/XX/XXXX | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | Evidence of eConsent is 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305078010 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078010 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066515 | finding-XXX | XX/XX/XXXX | 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 discount points fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | 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. \| 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066515 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066515 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066515 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066612 | FCOM8997 | XX/XX/XXXX | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066612 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066612 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087468 | FCRE1194 | XX/XX/XXXX | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 89.99% exceeds Guideline LTV of 85% Appraisal and Legal Description depicts subject property as a condominium. Condominium CLTV Guidelines apply. | Document Uploaded. | Maximum LTV per guidelines is XXX% but the subject transaction is at 89.90% LTV. However, a Credit Exception was approved for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, significant residual income and excessive reserves. Acknowledged and downgraded. | 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 | 305087468 | FCRE1196 | XX/XX/XXXX | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 89.99% exceeds Guideline HCLTV of 85% Appraisal and Legal Description depicts subject property as a condominium. Condominium CLTV Guidelines apply. | Document Uploaded. | Maximum LTV per guidelines is XXX% but the subject transaction is at 89.90% LTV. However, a Credit Exception was approved for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, significant residual income and excessive reserves. Acknowledged and downgraded. | 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 | 305087468 | FCRE1195 | XX/XX/XXXX | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 89.99% exceeds Guideline CLTV of 85% Appraisal and Legal Description depicts subject property as a condominium. Condominium CLTV Guidelines apply. | Document Uploaded. ; This is a detached condo, stand alone. Site condo could go up to 90% lTV | Maximum LTV per guidelines is XXX% but the subject transaction is at 89.90% LTV. However, a Credit Exception was approved for the higher LTV, citing compensating factors of an XXX credit history/minimal use of consumer credit, significant residual income and excessive reserves. Acknowledged and downgraded.; Do not see anything in the guidelines mentioning a site condo, or a free standing condo having a different designation from a regular condo. Please explain where the site condo information is given, or provide an exception. Exception remains. | 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 | 305087468 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087468 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305087468 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305078097 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078097 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305078097 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066448 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066448 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066448 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066488 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066488 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(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 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066488 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066488 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066582 | FCRE2515 | XX/XX/XXXX | Credit | Eligibility | Credit history does not meet guidelines | Fraud message on the credit report reflects: XXX on FACS+ file/credit to legacy XXX XXX. Guidelines for XXX require borrowers currently participating in FNXXX approved credit counseling services are acceptable if most recent XXX months paid as agreed, and the CCCS administrator provides a letter allowing borrower to seek new mortgage financing. Unable to locate documentation in file to conclusively determine if currently in allowable counseling or letter from administrator. | Document Uploaded. | LOX regarding counseling 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066582 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066582 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078089 | finding-XXX | XX/XX/XXXX | 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 made. 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078089 | finding-XXX | XX/XX/XXXX | 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 made. 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078089 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305078089 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066638 | finding-XXX | XX/XX/XXXX | 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 Fee 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066638 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066638 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066544 | finding-XXX | XX/XX/XXXX | 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 made. 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066544 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066544 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050376 | finding-XXX | XX/XX/XXXX | 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. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.66% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.66% is less than Guideline CLTV of 85% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050376 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(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 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 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.66% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.66% is less than Guideline CLTV of 85% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050376 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.66% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.66% is less than Guideline CLTV of 85% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050376 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 60.66% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.66% is less than Guideline CLTV of 85% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066617 | FCOM8997 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.97% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066617 | FCRE8999 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.97% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066617 | FPRO8998 | XX/XX/XXXX | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.97% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.97% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077911 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077911 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077911 | FCOM8997 | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078131 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078131 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078131 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066560 | FCRE2109 | XX/XX/XXXX | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The Lender income worksheet was not found in the loan file. Per the Lender Guideline; Unless business purpose then the loan file must include an Income worksheet detailing income calculation. | Document Uploaded. | P&L worksheet 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066560 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066560 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077924 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077924 | FCRE8999 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077924 | FPRO8998 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092281 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092281 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092281 | FPRO8998 | XX/XX/XXXX | 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 43.09% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092280 | FCRE8999 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092280 | FPRO8998 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092280 | FCOM8997 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092279 | FCOM8997 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092279 | FCRE8999 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092279 | FPRO8998 | XX/XX/XXXX | 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 43.09% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.09% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087484 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087484 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087484 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087429 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087429 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087429 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050368 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050368 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305050368 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066384 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | NC Rate Spread Home Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. 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 | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066384 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066384 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066384 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087477 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087477 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087477 | FCRE8999 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077936 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077936 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077936 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305077936 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066517 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066517 | finding-XXX | XX/XX/XXXX | 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066517 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066517 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066349 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066349 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066349 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305087460 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087460 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305087460 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066400 | finding-XXX | XX/XX/XXXX | 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 | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066400 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX XXX(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 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. 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066400 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066400 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066360 | finding-XXX | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066360 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066360 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305078022 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305078022 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305078022 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092271 | FCRE5123 | XX/XX/XXXX | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Missing Borrowing Certificate for LLC. | Document Uploaded. | Documentation is sufficient. Borrower Certificate provided. Exception resolved. | XXX is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305092271 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092271 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of 37.89% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.89% is less than Guideline CLTV of 70% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092261 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.89% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.89% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092261 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.89% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.89% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092261 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.89% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 57.89% is less than Guideline LTV of 90% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092260 | FPRO8998 | XX/XX/XXXX | 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 37.04% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092260 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.04% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092260 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 37.04% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 37.04% is less than Guideline LTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092257 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092257 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092257 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092245 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092245 | FPRO8998 | XX/XX/XXXX | 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 | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092245 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092240 | FPRO1136 | XX/XX/XXXX | 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 Property Completion report is missing from file. | Document Uploaded. | Documentation is sufficient. Completion of repairs attestation and photos provided. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable |  | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305092240 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092240 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092240 | finding-XXX | XX/XX/XXXX | 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. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092236 | finding-XXX | XX/XX/XXXX | 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. |  | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092236 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | This loan has terms that exceed the high-cost home loan points and fees threshold. (XXX SB XXX-6A-XXX(XXX),(XXX)(B) he total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:XXX percent of the total XXX if the total XXX is XXX or more he lesser of XXX percent of the total XXX or XXX if the total XXX is less than $XXX. This loan has terms that exceed the high-cost home loan points and fees threshold. (XXX SB XXX-6A-XXX(XXX),(XXX)(B) he total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:XXX percent of the total XXX if the total XXX is XXX or more he lesser of XXX percent of the total XXX or XXX if the total XXX is less than $XXX. Corrected fees; exception resolved Corrected fees; exception resolved |  |  |  | Rescinded |  | C A |
| XXX | XXXXX | 305092236 | FCOM1544 | XX/XX/XXXX | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing Final CD Additional testing will take place, once the document is provided. | Document Uploaded. | TRID: Final Closing Disclosure 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305092236 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092236 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092211 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092211 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092211 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092296 | FCRE1253 | XX/XX/XXXX | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Provide tax cert or assessed value to determine monthly property taxes of XXX | Document Uploaded. See tax calculation on XXX | Documentation is sufficient. Tax Cert provided. Exception resolved.; Property Tax Cert 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305092296 | FCRE1159 | XX/XX/XXXX | 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 XXX-XXX-XXX. Provide HOI with corrected coverage date of XX/XX/XXXX | Document Uploaded. | Documentation is sufficient. PCCD provided. Exception resolved.; 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. | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305092296 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092296 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092201 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092201 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092201 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092192 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092192 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092192 | FCOM8997 | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092189 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092189 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092189 | FPRO8998 | XX/XX/XXXX | 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 | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092187 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092187 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092187 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066375 | finding-XXX | XX/XX/XXXX | 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 | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066375 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066375 | FPRO8998 | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092293 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092293 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092293 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092287 | FCOM1233 | XX/XX/XXXX | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete. Co-Borrower's business name to be corrected to XXX XXX. | Document Uploaded. | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305092287 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092287 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092255 | FCOM8997 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092255 | FCRE8999 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092255 | FPRO8998 | XX/XX/XXXX | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69% is less than Guideline CLTV of 85% \| XXX is Below the Guideline Maximum - Calculated LTV of 69% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092239 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092239 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092235 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092235 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092235 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092219 | FCRE8999 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092219 | FPRO8998 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092219 | FCOM8997 | XX/XX/XXXX | 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% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092184 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092184 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092184 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092233 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092233 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092233 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077803 | FCRE1159 | XX/XX/XXXX | 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 XXX-XXX-XXX. The dates entered are correct and taken from the documents provided. | Document Uploaded. | 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.; CD with disbursement of XX/XX/XXXX 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305077803 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077803 | finding-XXX | XX/XX/XXXX | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305077803 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088724 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305088724 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305088724 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305089019 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305089019 | finding-XXX | XX/XX/XXXX | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | 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 XXX (or the date creditor received application if loan Originator's XXX 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. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of XXX of XX/XX/XXXX. | Document Uploaded. | HOC dated within XXX days of the XXX; exception resolved ; HOC dated within XXX days of the XXX; 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305089019 | FCOM9186 | XX/XX/XXXX | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is LE dated XX/XX/XXXX which was signed on XX/XX/XXXX by XXX XXX XXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. E-consent in file for co-borrower, XXX XXX XXX is sufficient. | Document Uploaded. XX/XX/XXXX | Evidence of eConsent is 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 305089019 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305089019 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092270 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092270 | FCRE8999 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092270 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092266 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092266 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092266 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092254 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092254 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092254 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092254 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092252 | FCRE7497 | XX/XX/XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of the PITIA for the property at XXX XXX and CHM Loan #XXX mentioned on the final XXX although not listed on the Final 1003. Also per web search appears the following properties have HOA dues XXX XXX, XXX XXX and XXX XXX, no HOA verification provided. Need acceptably evidence to verify HOA dues for these properties if determined it exists in addition to updated XXX/1003 with updated PITIA for properties mentioned. | Document Uploaded. This was already in the file. ; Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Proof of HOA payment provided. Exception resolved.; Still missing HOA documentation for XXX XXX. Exception remains. ; Still need HOA documentation for XXX XXX, XXX XXX. and XXX XXX. Exception remains. | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305092252 | FCRE1316 | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Missing CPA letter to confirm after borrower's business started, borrower is required to have at least XXX months of verified self-employment to meet guidelines. | Document Uploaded. | Documentation is sufficient. Copy of license provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 305092252 | FCRE1437 | XX/XX/XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the XXX account #XXX for the end date of XX/XX/XXXX to complete B1 income audit. | Document Uploaded. | Documentation is sufficient. Bank Statement provided. Exception resolved.; Income and Employment Meet Guidelines | 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 | XX/XX/XXXX | C A |
| XXX | XXXXX | 305092252 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092252 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092203 | finding-XXX | XX/XX/XXXX | 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. |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092203 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092203 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092200 | FCOM8997 | XX/XX/XXXX | 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 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092200 | FCRE8999 | XX/XX/XXXX | 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 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092200 | FPRO8998 | XX/XX/XXXX | 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 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092199 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092199 | FCOM8997 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092199 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092195 | FCRE0377 | XX/XX/XXXX | 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). LM is not adding both dwelling amount coverage = XXX Both policy amounts are sufficient coverage. | DO you need anything on this? looks like this is sufficient. | Documentation is sufficient. Hazard coverage is acceptable. Exception resolved. |  | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305092195 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092195 | FCOM8997 | XX/XX/XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305092195 | FPRO8998 | XX/XX/XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066484 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066484 | finding-XXX | XX/XX/XXXX | 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 |  | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066484 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305066484 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092204 | FCOM8997 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.76% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.76% is less than Guideline CLTV of 70% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092204 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.76% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.76% is less than Guideline CLTV of 70% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092204 | FPRO8998 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 52.76% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.76% is less than Guideline CLTV of 70% \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092186 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092186 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305092186 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066424 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| No Property Findings \| Borrower has stable job time - Borrower has XXX years on job. \| No Credit Findings | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305066424 | finding-XXX | XX/XX/XXXX | 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 The Lender Credit violation is due to the decrease of the Discount Points on the XXX and the file is missing the COC explaining the reason for why the fee decreased. Please provide a Valid COC or Cure Package | 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 \| No Property Findings \| Borrower has stable job time - Borrower has XXX years on job. \| No Credit Findings | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066424 | finding-XXX | XX/XX/XXXX | 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 |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| No Property Findings \| Borrower has stable job time - Borrower has XXX years on job. \| No Credit Findings | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088924 | FCRE6100 | XX/XX/XXXX | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Interested party contributions are XXX vs XXX% allowed contributions = XXX Per lender guidelines XXX% maximum interested party contributions as LTV is over XXX% | Document Uploaded. exception from management attached. | Exception report provided stating, "Ok to move forward with DTI at XXX%" Acknowledged | 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 C B |
| XXX | XXXXX | 305088924 | FCOM8997 | XX/XX/XXXX | 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 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305088924 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305089009 | finding-XXX | XX/XX/XXXX | 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. Documentation Required: The disbursement date of XX/XX/XXXX is the same date as the cancel by date on the ROR listed as XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires PCCD, LOE, and new ROR providing XXX days right to cancel. | Document Uploaded. | PCCD provided with updated disbursement date; exception resolved ; PCCD provided with updated disbursement date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 38.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.74% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305089009 | finding-XXX | XX/XX/XXXX | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using 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 |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 38.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.74% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305089009 | finding-XXX | XX/XX/XXXX | 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 HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 38.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.74% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305089009 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 38.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.74% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305089009 | FPRO8998 | XX/XX/XXXX | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 38.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.74% is less than Guideline CLTV of 75% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088881 | finding-XXX | XX/XX/XXXX | 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 |  | HPML compliance | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305088881 | FCRE8999 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088881 | FPRO8998 | XX/XX/XXXX | 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% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088887 | FCOM8997 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088887 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305088887 | FPRO8998 | XX/XX/XXXX | 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. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305037726 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305050551 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305089036 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Security Instrument Missing or Defective | Missing Security Instrument and all necessary Riders. | XX/XX/XXXX: Security Deed | XX/XX/XXXX: Received Security Deed |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066556 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066633 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment includes lenders name, but is missing ISAOA. Please provide an updated Title Policy | XX/XX/XXXX: Updated preliminary title report | XX/XX/XXXX: Received updated preliminary title report |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305047755 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066658 | XXXXX | XX/XX/XXXX | Property | Property | Appraisal Missing or Defective | Missing Appraisal for subject property: XXX XXX | XX/XX/XXXX: Uploaded Appraisal | XX/XX/XXXX: Received Appraisal |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066658 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Missing or Defective | Provided Supplemental Title report includes XXX, but is missing ISAOA clause | XX/XX/XXXX: Uploaded Final Title Policy | XX/XX/XXXX: Received Final Title Policy |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305065260 | XXXXX | XX/XX/XXXX | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX XXX | XX/XX/XXXX: Uploaded BPO | XX/XX/XXXX: Received BPO |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066629 | XXXXX | XX/XX/XXXX | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 80% LTV > XXX% Max LTV for a No Cash-out refinance with a credit score of XXX | XX/XX/XXXX: Exception Approval Uploaded | XX/XX/XXXX: Received Exception Approval | Experienced Investor, DSCR > XXX Rate reduction from XXX% interest only ro XXX% | Acknowledged | XX/XX/XXXX | C B |
| XXX | XXXXX | 305066561 | XXXXX-XXX | XX/XX/XXXX | Credit | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066632 | XXXXX-XXX | XX/XX/XXXX | Credit | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066620 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Entity Documentation - Missing or Defective | The provided Operating Agreement for XXX, XXX doesn't list the borrower as a member. Please provide suporting documantation reflecting borrower's ownership interest in the company and his ability to enter into this transaction on behalf of the XXX. | XX/XX/XXXX:Documentation Uploaded | XX/XX/XXXX: Received Documentation |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066596 | XXXXX-XXX | XX/XX/XXXX | Credit | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305076982 | XXXXX-XXX | XX/XX/XXXX | Property | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305065257 | XXXXX | XX/XX/XXXX | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX XXX | XX/XX/XXXX: Uploaded BPO | XX/XX/XXXX: Received BPO |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305065248 | XXXXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066575 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066649 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Missing or Defective | Missing evidence of release or satisfaction of the United States Internal Revenue judgment reflected in Schedule B, Part XXX Item XXX in the amount of XXX | XX/XX/XXXX: Release of lien | XX/XX/XXXX: Received release of lien |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066494 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078043 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078014 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066616 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Missing or Defective | Missing Supplemental Title Report including lenders name and proposed coverage amount. Please provide Supplemental Report or updated Title Commitment | XX/XX/XXXX: Title policy | XX/XX/XXXX: Title policy uploaded |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305078119 | XXXXX-XXX | XX/XX/XXXX | Property | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078019 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078107 | XXXXX | XX/XX/XXXX | Credit | Credit | Mortgage Payment History Missing or Defective | Provided credit report reflects XXX and XXX late payment dated: XX/XX/XXXX and XX/XX/XXXX for guarantor: XXX XXX. Per guidelines, a maximum of XXX late payments are allowed for an experienced investor. | XX/XX/XXXX: Exception Approval | XX/XX/XXXX: Exception Approval received | LTV 41%, XXX% under the max, DSCR > XXX% C/O covers XXX months of reserves | Acknowledged | XX/XX/XXXX | C B |
| XXX | XXXXX | 305078107 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Missing or Defective | Missing evidence of satisfaction or release of the judgments reflected om the preliminary title report, items XXX-XXX. | XX/XX/XXXX: Uploaded Title Supplement eliminating items XXX-XXX | XX/XX/XXXX: Received Title Supplement eliminating items XXX-XXX |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305078012 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX#XXX to prove XXX XXX ability to access to the funds in the XXX accts #XXX & #XXX | XX/XX/XXXX: Tax preparer letter | XX/XX/XXXX: Received tax preparer letter |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305078072 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305065259 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066516 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078031 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305076977 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078008 | XXXXX-XXX | XX/XX/XXXX | Property | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305076980 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066569 | XXXXX | XX/XX/XXXX | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX XXX XXX | XX/XX/XXXX: Appraisal review | XX/XX/XXXX: Appraisal review uploaded |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305078071 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066569 | XXXXX | XX/XX/XXXX | Credit | Credit | Excessive LTV Ratio | 83.53% LTV > XXX% limit for a vacant Rate/Term Refinance | XX/XX/XXXX: Uploaded Lease Agreement | XX/XX/XXXX: Received Lease Agreement |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305066569 | XXXXX | XX/XX/XXXX | Credit | Property Data Collection | Ineligible Property | Missing evidence of rental listing and vacancy LOE for subject property: XXX XXX XXX | XX/XX/XXXX: Uploaded Lease Agreement | XX/XX/XXXX: Received Lease Agreement |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305066569 | XXXXX | XX/XX/XXXX | Credit | Credit | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Utilizing XXX Market Rent/ XXX PITIA = XXX DSCR | XX/XX/XXXX: Uploaded Lease Agreement | XX/XX/XXXX: Received Lease Agreement |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305078066 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305077972 | XXXXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305077895 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078077 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078111 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305078021 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305077821 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305066454 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305089010 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305089046 | XXXXX | XX/XX/XXXX | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Title insurance coverage of XXX < XXX required. Please provide an updated title commitment or supplemental report. | XX/XX/XXXX: Updated title policy | XX/XX/XXXX: Updated title policy uploaded |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305076974 | XXXXX | XX/XX/XXXX | Credit | Appraisal | Appraisal Review - Missing | Missing Appraisal review for subject property: XXX XXX | XX/XX/XXXX: BPO | XX/XX/XXXX: BPO received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305076974 | XXXXX | XX/XX/XXXX | Credit | Assets | Insufficient Assets for Reserves | XXX assets < XXX minimum required liquidity for cash to close and XXX months reserves. Please provide additional assets. | XX/XX/XXXX: XXX Exchange Balance Statement | XX/XX/XXXX: XXX Exchange Balance Statement received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305089046 | XXXXX | XX/XX/XXXX | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 80.00% LTV > XXX% maximum for the program guidelines and borrower's FICO. | XX/XX/XXXX: Exception Approval Uploaded | XX/XX/XXXX: Received Exception Approval | Reserves > XXX months, DSCR XX/XX/XXXX | Acknowledged | XX/XX/XXXX | C B |
| XXX | XXXXX | 305088913 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305088870 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX to show the borrower's ownership interest and ability to use the business funds. | XX/XX/XXXX: Uploaded Operating Agreement | XX/XX/XXXX: Received Operating Agreement |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305065247 | XXXXX | XX/XX/XXXX | Property | Appraisal | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: BPO uploaded | XX/XX/XXXX: Received BPO |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305076978 | XXXXX | XX/XX/XXXX | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX XXX XXX XXX XXX And XXX XXX. Please provide BPO or 2nd appraisal to meet program guidelines. | XX/XX/XXXX: BPO | XX/XX/XXXX: BPO received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 305088306 | XXXXX | XX/XX/XXXX | Credit | Assets | Asset Documentation Missing or Defective | XXX assets < XXX minimum required assets for cash to close and XXX months' reserves. Please provide additional assets. | XX/XX/XXXX: Additional assets | XX/XX/XXXX: Additional assets received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 305088761 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305088673 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305088857 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305089012 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 305102636 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304438772 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304511240 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304511241 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304638186 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304511347 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304638111 | XXXXX-XXX | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304757655 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYAXXXE DEED from XXX XXX and XXX XXX to XXX XXX | XXX / XX/XX/XXXX: see warranty deed | XX/XX/XXXX: Received warranty deed |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304757655 | XXXXX | XX/XX/XXXX | 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. | XX/XX/XXXX: updated NQM screenshot showing the exception that was given by Loan stream | XX/XX/XXXX: Received exceptioin approval XX/XX/XXXX: Please upload approved exception waiver document in order to waive | Experienced investor; Excess reserves | Acknowledged | XX/XX/XXXX | C B |
| XXX | XXXXX | 304818162 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304812694 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304731515 | XXXXX | XX/XX/XXXX | Credit | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing final Settlement Statement, only HUD in file is an Estimated Closing Statement. | XX/XX/XXXX: Docs uploaded | XX/XX/XXXX: Received |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304731515 | XXXXX | XX/XX/XXXX | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance includes Extended Coverage. Please provide a description of the policy's Extended Coverage to confirm XXX coverage | XX/XX/XXXX: Uploaded extended coverage | XX/XX/XXXX: Received extended coverage |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304818151 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304844120 | XXXXX | XX/XX/XXXX | Credit | Credit | Title Insurance Missing or Defective | Provided title preliminary report is missing lender's name, coverage amount and mortgagee clause. Please provide title supplement or updated title report. | XX/XX/XXXX: Title | XX/XX/XXXX: Title received |  | Cleared | XX/XX/XXXX | C A |
| XXX | XXXXX | 304902654 | XXXXX-XXX | XX/XX/XXXX | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304495494 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYAXXXE DEED from XXX XXX to XXX XXX and XXX XXX. | XX/XX/XXXX: WD | XX/XX/XXXX: Received conveyance deed. |  | Cleared | XX/XX/XXXX | D A |
| XXX | XXXXX | 304495494 | XXXXX | XX/XX/XXXX | Property | Appraisal | Ineligible Project – Other Charter Violation | Condo project contains significant deferred maintenance due to stairs/decks and balcony still being under construction. Per UWG, projects with significant deferred maintenance are ineligible. | XX/XX/XXXX: NQM exception approval in file. | XX/XX/XXXX: NQM exception approval received. | XXX months reserves greater than program requirement, DSCR > XX/XX/XXXX | Acknowledged | XX/XX/XXXX | D B |
| XXX | XXXXX | 304866893 | XXXXX | XX/XX/XXXX | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYAXXXE DEED from XXX XXX to XXX XXX | XX/XX/XXXX: Deed | XX/XX/XXXX: Received Deed |  | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305029227 | FPRO8998 | XX/XX/XXXX | 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305029227 | FCRE8999 | XX/XX/XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305029227 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304872040 | FCOM1227 | XX/XX/XXXX | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing PUD Rider is Missing | title confirmation | Documentation is sufficient. LOE States not a PUD. Exception resolved.; The PUD Rider is Present or is Not Applicable (XXX is 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 304872040 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304872040 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304896696 | FCRE1204 | XX/XX/XXXX | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing updated Fraud Report with cleared alerts for Potential undisclosed REO, SAM ov alert, Exclusionary list alert for Hazard insurance agent and mailing address reported by the tax assessor not being the subject property | Document Uploaded. ; Document Uploaded. Document Uploaded. 1003, XXX Tax Cert | All Fraud Report Alerts have been cleared or None Exist; XXX 1003, tax cert, email. confirmed ownership of lot in XXX. added to 1003 and 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 304896696 | FCOM8997 | XX/XX/XXXX | 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 \| 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304896696 | FPRO8998 | XX/XX/XXXX | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304893409 | FCRE1185 | XX/XX/XXXX | Credit | Missing Doc | AUS Partially Provided | AUS must be Ineligible only due to XXX. AUS provided shows additional Risk for Funds to close. | Document Uploaded. Investor Exception; Document Uploaded. DU uploaded. | AUS is not incomplete; ; Received Early Check results and meets cited Condition. | 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 304893409 | finding-XXX | XX/XX/XXXX | 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 XXX 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. 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 XXX 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. |  | Lender acknowledges exception; 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. | Acknowledged |  | No B A |
| XXX | XXXXX | 304893409 | FCOM3849 | XX/XX/XXXX | 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 document in file 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 since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Document Uploaded. | Evidence of appraisal delivery 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 | XX/XX/XXXX | B A |
| XXX | XXXXX | 304893409 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304893409 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304860872 | FCRE1335 | XX/XX/XXXX | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Missing borrower's IRS tax transcripts for income used for qualification. | Document Uploaded. IRS Transcripts | Borrower 1 IRS Transcripts 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 304860872 | FCRE1365 | XX/XX/XXXX | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing Missing co-borrower's IRS tax transcripts for income used for qualification. | Document Uploaded. IRS Transcripts | Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 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 | XX/XX/XXXX | D A |
| XXX | XXXXX | 304860872 | FCRE1201 | XX/XX/XXXX | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. File only contains copy of the Drive report. |  | ; Third Party Fraud Report is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304860872 | finding-XXX | XX/XX/XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: Proof of delivery/receipt of Initial CD dated XX/XX/XXXX at least XXX days prior to closing. 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:"UXXX 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. Esigned initial CD and electronic tracking uploaded | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; 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 | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 304860872 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304898064 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304898064 | FPRO8998 | XX/XX/XXXX | 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 | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 304898064 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304874930 | FCOM5135 | XX/XX/XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Disclosure, XXX has affiliates. Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. |  | Investor Acknowledges | 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 | 304874930 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 304874930 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305026167 | FCRE5116 | XX/XX/XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers are currently renting the subject. Guidelines require rental history to be documented with a copy of the lease agreement, or a Verification of Rent (VOR). Neither document is in the file. | Document Uploaded. vor XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client re-loaded XXX and provided Statement from the Property Manager at XXX XXX. The Statement reflects the borrower is not being evicted, is not in collections and a XXX balance. Last payment received XX/XX/XXXX. It also States the move in date XX/XX/XXXX and Move Out date of XX/XX/XXXX. Previous to this the Borrower owned the property. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305026167 | FCRE5393 | XX/XX/XXXX | Credit | Insurance | Mortgage Insurance Defect | Mortgage Insurance not allowed. Provide updated documents removing Mortgage Insurance | Document Uploaded. updated closing docs | Client provided Updated Closing Disclosure, First Payment letter and Initial Escrow Disclosure reflecting Mortgage Insurance was removed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | C A |
| XXX | XXXXX | 305026167 | FCOM8997 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305026167 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305033578 | FCOM3849 | XX/XX/XXXX | 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)). Providing evidence showing the borrowers received the appraisal at least XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Evidence of appraisal delivery uploaded | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305033578 | FCOM1621 | XX/XX/XXXX | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required- Initial Escrow Disclosure | Document Uploaded. IEADS uploaded | Initial Escrow Account Disclosure is Resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | B A |
| XXX | XXXXX | 305033578 | FCOM1232 | XX/XX/XXXX | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing The file is missing both borrower's Final 1003 along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Document Uploaded. Final 1003 and DU attached. | The Final 1003 is Present; Client provided Final 1003 for both borrowers and DU dated XX/XX/XXXX. LM Updated.; The Final 1003 is Missing The file is missing both borrower's Final 1003 along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305033578 | FCRE3860 | XX/XX/XXXX | Credit | Missing Doc | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an XXX of: (XXX-XXX-XXX) which is after XXX or this is an FHA loan with an XXX after XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | Document Uploaded. attached scif | This Supplemental Consumer Information Form is Present.; Client provided SCIF. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XX/XX/XXXX | D A |
| XXX | XXXXX | 305033578 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305042981 | FCOM8997 | XX/XX/XXXX | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XX/XX/XXXX | A |
| XXX | XXXXX | 305042981 | FPRO8998 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |
| XXX | XXXXX | 305042981 | FCRE8999 | XX/XX/XXXX | 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 | XX/XX/XXXX | A |

---

## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **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** |
| 304494957 | 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 |
| 304868100 | 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 |
| 304871422 | 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 |
| 304427495 | 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 |
| 304417693 | 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 |
| 304458657 | 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 |
| 304492354 | 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 |
| 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 |
| 304492771 | 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 |
| 304641856 | 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 |
| 304643478 | 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 |
| 304643363 | 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 |
| 304679581 | 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 |
| 304679645 | 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 |
| 304681716 | 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 |
| 304697050 | 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 |
| 304705154 | 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 |
| 304692679 | 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 |
| 304707675 | 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 |
| 304684693 | 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 |
| 304688547 | 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 |
| 304732135 | 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 |
| 304747352 | 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 |
| 304734129 | 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 |
| 304811760 | 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 |
| 304826775 | 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 |
| 304813206 | 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 |
| 304813303 | 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 |
| 304826967 | 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 |
| 304858952 | 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 |
| 304867877 | 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 |
| 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 |
| 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 |
| 304868120 | 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 |
| 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 |
| 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 |
| 304896220 | 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 |
| 304874810 | 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 |
| 304896372 | 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 |
| 304909602 | 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 |
| 304811693 | 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 |
| 304779662 | 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 |
| 304779678 | 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 |
| 304655302 | 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 |
| 304638067 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638066 | 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 |
| 304655253 | 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 |
| 304695052 | 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 |
| 304704739 | 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 |
| 304812613 | 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 |
| 304817973 | 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 |
| 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 |
| 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 |
| 304871815 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 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 |
| 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 |
| 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 |
| 305035786 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902474 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305025805 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 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 |
| 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 |
| 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 |
| 305035743 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035787 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035775 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035754 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035735 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035716 | XXXXX A | A | A | A | A | A | A | A | A | 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 |
| 305035794 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035768 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035738 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035695 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035741 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035678 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035755 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035652 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035782 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035703 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035679 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035829 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035723 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035636 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035816 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035803 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035753 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035722 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035621 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035762 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035666 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035650 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 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 |
| 305035706 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035676 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035665 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035701 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035680 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035649 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035699 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035737 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035766 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035605 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 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) |
| 305037680 | 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 |
| 305037667 | 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 |
| 304902363 | 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 |
| 305063994 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063985 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063980 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063978 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063972 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063970 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063950 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063938 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063991 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063977 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063969 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063964 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063936 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063920 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063916 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063909 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063903 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063974 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063961 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063951 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063941 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063929 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063877 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063953 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063948 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063946 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063943 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063940 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305064010 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063921 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063911 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063894 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305064006 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305064004 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063997 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063981 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063925 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063918 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063905 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063897 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063895 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063893 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063884 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063880 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063864 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063858 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063931 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063919 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063904 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063879 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063860 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063999 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063990 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063956 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063955 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063935 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063917 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063913 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063907 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063890 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063869 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063863 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305064002 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063998 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063993 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063988 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063967 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063959 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063957 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063952 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063898 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305063886 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063867 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305063866 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305066584 | 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 |
| 305050387 | 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 |
| 305066627 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050544 | 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 |
| 305066497 | 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 |
| 305066552 | 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 |
| 305066579 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305066549 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050438 | 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 |
| 305066595 | 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 |
| 305066634 | 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 |
| 305066355 | 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 |
| 305037568 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305066475 | 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 |
| 305066509 | 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 |
| 305087479 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305078010 | 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 |
| 305066515 | 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 |
| 305066612 | 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 |
| 305087468 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305078097 | 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 |
| 305066448 | 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 |
| 305066488 | 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 |
| 305066582 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305078089 | 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 |
| 305066638 | 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 |
| 305066544 | 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 |
| 305050376 | 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 |
| 305066617 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305077911 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305078131 | 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 |
| 305066560 | 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 |
| 305077924 | 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 |
| 305092281 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092280 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092279 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305087484 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305087429 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305050368 | 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 |
| 305066384 | 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 |
| 305087477 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305077936 | 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 |
| 305066517 | 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 |
| 305066349 | 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 |
| 305087460 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305066400 | 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 |
| 305066360 | 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 |
| 305078022 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092271 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092261 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092260 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092257 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092245 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092240 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092236 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092211 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092296 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092201 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092192 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092189 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092187 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305066375 | 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 |
| 305092293 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092287 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092255 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092239 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092235 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092219 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092184 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092233 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305077803 | 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 |
| 305088724 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305089019 | 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 |
| 305092270 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092266 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092254 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092252 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092203 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092200 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305092199 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092195 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305066484 | 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 |
| 305092204 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305092186 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305066424 | 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 |
| 305088924 | 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 |
| 305089009 | 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 |
| 305088881 | 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 |
| 305088887 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037726 | 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 |
| 305050551 | 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 |
| 305089036 | 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 |
| 305066633 | 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 |
| 305066556 | 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 |
| 305047755 | 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 |
| 305066658 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305065260 | 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 |
| 305066629 | 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 |
| 305066561 | 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 |
| 305066632 | 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 |
| 305066620 | 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 |
| 305066596 | 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 |
| 305065257 | 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 |
| 305076982 | 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 |
| 305065248 | 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 |
| 305066575 | 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 |
| 305066649 | 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 |
| 305066494 | 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 |
| 305078043 | 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 |
| 305078014 | 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 |
| 305066616 | 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 |
| 305078107 | 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 |
| 305078019 | 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 |
| 305078119 | 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 |
| 305065259 | 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 |
| 305078072 | 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 |
| 305078012 | 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 |
| 305066516 | 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 |
| 305078031 | 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 |
| 305076977 | 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 |
| 305078008 | 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 |
| 305076980 | 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 |
| 305066569 | 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 |
| 305078071 | 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 |
| 305078066 | 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 |
| 305077972 | 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 |
| 305078077 | 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 |
| 305077895 | 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 |
| 305078021 | 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 |
| 305078111 | 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 |
| 305066454 | 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 |
| 305077821 | 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 |
| 305076974 | 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 |
| 305089010 | 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 |
| 305089046 | 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 |
| 305088913 | 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 |
| 305088870 | 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 |
| 305065247 | 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 |
| 305076978 | 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 |
| 305088306 | 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 |
| 305088761 | 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 |
| 305088857 | 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 |
| 305088673 | 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 |
| 305089012 | 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 |
| 305102636 | 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 |
| 304438772 | 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 |
| 304511240 | 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 |
| 304511241 | 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 |
| 304638186 | 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 |
| 304638111 | 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 |
| 304818162 | 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 |
| 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 |
| 304731515 | 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 |
| 304818151 | 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 |
| 304844120 | 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 |
| 304902654 | 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 |
| 304495494 | XXXXX D B A | N/A | N/A B D | N/A | N/A B D | N/A | N/A B D | N/A | N/A B D | N/A | N/A B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866893 | 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 |
| 305029227 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872040 | 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) |
| 304896696 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893409 | XXXXX D B A | B | B A D | B | B A D | B | B A D | B | B A D | B | B A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304860872 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898064 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874930 | XXXXX B A | B | B A | B | B A | B | B A | B | B A | B | B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305026167 | 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) |
| 305033578 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305042981 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 304494957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304868100 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.98% | 64.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304871422 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 60.61% | 60.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304427495 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304417693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 54.27% | 54.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304458657 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304492354 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304493266 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304492771 | 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 | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304641856 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304643478 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.53% | 68.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.1 |  |
| 304643363 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 26.88% | 26.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304679581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679645 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304681716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304697050 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.09% | 74.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304705154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.87% | 69.87% |  |  |  |  |  |  |  |  | XXX | XXX | 0.15% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692679 | 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 | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304707675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.69% | 71.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304684693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304688547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.64% | 63.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304732135 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304481435 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304747352 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 67.90% | 67.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304734129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304811760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304826775 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304813206 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.52% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813303 | 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 | 2.5 |  |
| 304847862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304826967 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.21% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304867877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.54% | 59.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304860688 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 39.39% | 39.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304862129 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.3 |  |
| 304868120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 36.09% | 36.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 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 |  |
| 304856477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304896220 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304874810 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304896372 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304909602 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.75% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304366875 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.16% | 68.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779662 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.15% | 65.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304655302 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 304638067 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.55% | 75.55% |  |  |  |  | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304638066 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.92% | 69.92% |  |  |  |  | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304655253 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.27% | 72.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304695052 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.83% | 74.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704739 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304812613 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 304817973 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304823586 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.70% | 69.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866925 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | -1.43% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.43% | 97.00 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304871815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893221 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 304875883 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.31% | 52.31% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304871713 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305035786 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304902474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305025805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893038 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902782 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.45% | 62.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 305035743 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07% | 74.07% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 305035787 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 305035775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 305035754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | -2.19% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.19% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 305035735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.31% | 70.31% | XXX | XXX | -6.25% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.25% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304904246 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.59% | 77.59% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 305035794 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.23% | 63.23% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035768 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 305035738 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 305035741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | XXX | XXX | -5.28% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.28% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 305035678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035755 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 62.50% | 62.50% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035652 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305035782 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305035703 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.49% | 42.49% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 305035679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.56% | 59.56% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035636 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305035816 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.29% | 62.29% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | XXX | XXX | 0.79% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.78% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 305035803 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.59% | 20.59% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | XXX | XXX | 2.94% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 2.94% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035753 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.00% | 65.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035722 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305035762 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.58% | 72.58% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305035666 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035650 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.91% | 60.91% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893047 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.52% | 63.52% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 305035706 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 40.65% | 40.65% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035676 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 82.57% | 82.57% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035701 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305035699 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 305035737 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305035766 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.85% | 77.85% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 305043895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037667 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902363 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 47.30% | 47.30% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063994 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305063985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 81.53% | 81.53% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063980 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 44.00% | 44.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063978 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305063972 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305063970 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 305063950 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063938 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.84% | 48.84% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063991 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.19% | 60.19% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305063969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063964 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305063936 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063920 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 1.75% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.75% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 305063916 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.32% | 57.32% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063909 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063903 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.82% | 28.82% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 305063974 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67% | 66.67% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305063961 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063951 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.81% | 78.81% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 305063941 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.08% | 62.08% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 305063929 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.44% | 68.44% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 305063877 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.47% | 78.47% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063953 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.94% | 79.94% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 305063948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 305063946 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 305063943 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063940 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.69% | 84.69% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305064010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.70% | 47.70% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063921 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305063894 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.83% | 58.83% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305064006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.92% | 34.92% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 305064004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.50% | 51.50% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063997 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305063981 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 305063925 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.45% | 76.45% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 305063918 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305063905 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 305063897 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063895 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063884 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063880 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67% | 66.67% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305063864 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063858 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 59.28% | 59.28% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305063931 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.39% | 68.39% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305063919 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 305063904 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.15% | 84.15% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063879 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 305063860 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305063999 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305063990 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305063956 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 305063955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305063935 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 305063917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063907 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305063890 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.06% | 74.06% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305063869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.75% | 31.75% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305064002 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305063998 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.78% | 62.78% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305063993 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305063988 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 305063967 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 305063959 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 305063957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 305063952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 305063898 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305063886 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305063867 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305063866 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305066584 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 305050387 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.90% | 44.90% |  |  |  |  |  |  |  |  | XXX | XXX | 17.65% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 305066627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066497 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066552 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305066579 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305066549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305050438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305066595 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305066634 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 2.77% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.77% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305066355 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 305037568 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 305066475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 305066509 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305087479 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305078010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305066515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066612 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 305087468 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305078097 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 2.75% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.75% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066448 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066488 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | -5.41% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.41% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 305066582 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305078089 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066638 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305066544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 305050376 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.66% | 60.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305066617 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.97% | 64.97% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305077911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305078131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 305066560 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305077924 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305092281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.09% | 43.09% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 305092280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.09% | 43.09% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 305092279 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.09% | 43.09% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305087484 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305087429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.13% | 89.13% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305050368 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.57% | 76.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066384 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305087477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305077936 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305066517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305066349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305087460 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 305066360 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305078022 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.59% | 79.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.89% | 37.89% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305092261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.89% | 57.89% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305092260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.04% | 37.04% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305092257 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305092245 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305092240 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092236 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305092296 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 305092201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 305092192 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305092189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305066375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092293 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 305092287 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305092255 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.00% | 69.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | XXX | XXX | 2.09% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.09% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305092239 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305092235 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305092219 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 305092184 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305092233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305077803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305088724 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305089019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092270 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | XXX | XXX | -2.50% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.50% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305092266 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305092254 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 305092252 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | -6.25% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.25% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305092203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305092200 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305092199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305092195 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066484 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305092204 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.76% | 52.76% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 305092186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305088924 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305089009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 38.74% | 38.74% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305088881 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305088887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 305037726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 305050551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 305089036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.14% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305066633 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305066556 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305047755 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 37.83% | 37.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 305065260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 36.83% | 36.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 40.97% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 41.51% | 41.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305066632 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 44.44% | 44.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.9 |  |
| 305066620 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 305066596 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305065257 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.90% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305076982 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 30.59% | 30.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -13.27% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305065248 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 72.64% | 72.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 4.55% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.19% | 68.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305066649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305066494 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305078043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.42% | 70.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.47% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305078014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305066616 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 305078107 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 41.00% | 41.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 305078019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305078119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 305065259 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.67% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305078072 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305078012 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305066516 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 305078031 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 62.33% | 62.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305076977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.16% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305078008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305076980 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 10.53% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305066569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 83.53% | 83.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305078071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 305078066 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 305077972 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 305078077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.81% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305077895 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305078021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305078111 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305066454 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 10.52% |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 305077821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305076974 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.94% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305089010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305089046 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305088913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305088870 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305065247 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.48% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305076978 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.79% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305088306 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.33% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305088761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305088857 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305088673 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 305089012 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305102636 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304438772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 33.71% | 33.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511240 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.57% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304511241 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 47.62% | 47.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304511347 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304638111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304757655 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.95% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304818162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304812694 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304731515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304818151 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304844120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304495494 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304866893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 305029227 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304872040 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304896696 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304893409 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304860872 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304898064 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.90% | 89.90% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304874930 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 305026167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.90% | 89.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305033578 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.90% | 89.90% | XXX | XXX | -0.50% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.50% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305042981 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

Executive Summary

JPMMT 2026-NQX2

&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 loan was originated by one loan seller and acquired directly (or indirectly) by JPMorgan Chase Bank, National Association through a Reliance Letter. The loan review was conducted in May 2024.

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

There is 1 asset 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.

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

Page 1 of 10

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $155,000. The mortgage loan originated in April 2024 by one correspondent Seller.

&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 loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

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

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

Page 3 of 10

**Compliance Review Methodology**

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

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that the mortgage loan 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.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

Page 4 of 10

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

&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),

Page 5 of 10

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

&nbsp;&nbsp;&nbsp;&nbsp;(iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child-support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

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

&nbsp;&nbsp;&nbsp;&nbsp;(i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Loans that are not covered by the rule.

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

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

 

---

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

Page 6 of 10

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

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

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

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

---

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

---

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

The loan reviewed did not have any 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** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

Page 7 of 10

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

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

**Credit Results Summary**

The reviewed loan had a Credit grade of "A".

---

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

---

**Compliance Results Summary**

The reviewed loan had a Compliance grade of "A".

---

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

---

**Property Valuation Results Summary**

The reviewed loan had a Property Valuation grade of "A".

---

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

---

**Overall Results Summary**

The reviewed loan received an overall grade of "A".

---

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

---

Page 8 of 10

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

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

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &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;**1** | &nbsp;&nbsp;**100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**80%-89.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **LA** | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |

---

Page 10 of 10

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXXXXXX | 304313929 | XXXXXXXX | XXXXXXXX | 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 |  |  |  |
| XXXXXXXX | 304313929 | XXXXXXXX | XXXXXXXX | 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

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

**Rating Agency Grades: 5/20/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXX | 304313929 | XXXXXXX C A |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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 |

---

## 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 July 2025 to March 2026 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders (in such capacity, the "Seller"), via flow acquisition. 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 through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 14 Loans selected by the Client to include in JPMMT 2026-NQX2 (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 14 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 |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

pg. 1

---

| | |
|:---|:---|
| &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 |

---

**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 <br> JPMMT 2026-NQX2

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 <br> JPMMT 2026-NQX2

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;&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;&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;&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 twelve (12) business purpose loans, no TRID compliance testing was completed.

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

● 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

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

pg. 4

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 <br> JPMMT 2026-NQX2

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;12 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

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;4 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &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;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br>Proceeds used to pay off existing loans<br>other than loans secured by real<br>estate.<br>| &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Cash Out: Other/Multipurpose/<br>Unknown purpose<br>| &nbsp;&nbsp;6 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower <br> initiated  | &nbsp;&nbsp;5 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &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;4 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &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;**1** | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

pg. 8

---

| | | |
|:---|:---|:---|
| &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;**1** | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2026-NQX2

pg. 9

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304725144 | Sales Price | (redacted) | (redacted) | Tape Value is the Appraisal Value. Review Value is the Sales Price. |
| (redacted) | 304725144 | Original Loan to Value | (redacted) | (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304725144 | Original Combined Loan to Value | (redacted) | (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304907192 | Property Type | Two Family | Four Family | Subject consists of four units that is located within a PUD as per the appraisal. Source of Tape Value is unknown. |
| (redacted) | 304907192 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Sales Price | (redacted) | (redacted) | Tape Value contains a typographical error. Review Value is the sales prices as per the purchase contract. |
| (redacted) | 305027277 | Original Loan to Value | (redacted) | (redacted) | Approved LTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Original Combined Loan to Value | (redacted) | (redacted) | Approved CLTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Total Debt to Income Ratio | (redacted) | (redacted) | Variance < (redacted) is non-material. |
| (redacted) | 305027277 | QM/ATR Designation | Not Covered / Exempt | QM (APOR) / Non-HPML | Source of Tape Value is unknown. |
| (redacted) | 305024514 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 305031326 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Tape Value source is unknown. No DSCR calculator in file. Review applied (redacted) expense factor per appraisal for the property management expenses, as required per guidelines. |
| (redacted) | 305031325 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Tape Value source is unknown. No DSCR calculator in file. Review applied (redacted) expense factor per appraisal for the property management expenses, as required per guidelines. |
| (redacted) | 305031328 | Escrow Impounds? | No | Yes | Loan is escrowed per Settlement Statement and First Payment Letter. |
| (redacted) | 305031328 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Tape Value source is unknown. No DSCR calculator in file. Review applied (redacted) expense factor per appraisal for the property management expenses, as required per guidelines. |
| (redacted) | 305031327 | Appraised Value | (redacted) | (redacted) | Lender used the lesser BPO value of (redacted) for qualification as opposed to the actual appraisal value of (redacted). |
| (redacted) | 305031327 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Tape Value source is unknown. No DSCR calculator in file. Review applied (redacted) expense factor per appraisal for the property management expenses, as required per guidelines. |
| (redacted) | 305071750 | Property Type | Single Family - Detached | Single Family - Attached | The appraisal confirms the property is attached townhouse. |
| (redacted) | 305071750 | Prepayment Penalty Clause? | 0.0 | No | Note and Lock confirm no prepayment penalty. |
| (redacted) | 305071750 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Source of Tape Value is unknown. Review Value calculated using the lesser market rent and PITI. Minimum Required (redacted). |
| (redacted) | 305065553 | Prepayment Penalty Clause? | 0.0 | No | Note and Lock confirm no prepayment penalty. |
| (redacted) | 305065553 | Total Debt to Income Ratio | (redacted) | (redacted) | Source of tape is unknown. Approved DTI (redacted), no variance. |
| (redacted) | 305065553 | Appraised Value | (redacted) | (redacted) | Tape Value is sales price. Review Value is the appraisal value. |
| (redacted) | 305073543 | Prepayment Penalty Clause? | 0.0 | No | Note and Lock confirm no prepayment penalty. |
| (redacted) | 305073543 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Source of Tape Value is unknown. Review Value calculated using the lesser market rent and PITI. Minimum Required (redacted). |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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) | 304725144 (redacted) | 1115395 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, SOS site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review.<br> 06/16/2025 Attached search, (redacted), does not match borrowing entity, (redacted).<br> --Finding remains. Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results (redacted). Entity was incorporated in (redacted). | Funded C B |
| (redacted) | 304725144 (redacted) | 1115407 | 06/12/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing Loan Application, which includes property / rental / financial information, declarations, and the loan originator information. The (redacted) application consists of (redacted) parts: Business Purpose Borrower Application, Loan Application, and Guarantor Application. Loan file includes Business Purpose Borrower Application and Guarantor Application. | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd Loan Application. - 06/16/2025 Recd Loan Application. | Funded C A |
| (redacted) | 304725144 (redacted) | 1115460 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. Loan number is inaccurate, actual loan number, (redacted). | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). - 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). | Funded C A |
| (redacted) | 304725145 (redacted) | 1115435 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review. | Funded C B |
| (redacted) | 304725145 (redacted) | 1115436 | 06/12/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | Entity Certificate is not signed by the borrowing guarantor. The Entity Certificate is only signed by limited owner. | 06/20/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor. - 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115439 | 06/12/2025 | Credit | APN Number and/or Legal Descriptions do not match security instrument | COLL 0002 | 3 | 1 | Closed | APN on the Mortgage is inaccurate. Actual APN per appraisal / title commitment / tax cert, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd scrivener's affidavit. - 06/17/2025 Recd scrivener's affidavit. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115448 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. EOI loan number is inaccurate, actual loan number, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd revised EOI with correct loan number (redacted). - 06/17/2025 Recd revised EOI with correct loan number (redacted). | Funded C A |
| (redacted) | 304729044 (redacted) | 1116901 | 06/23/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing revised evidence of insurance reflecting the correct loan number, (redacted). EOI in file reflects loan number (redacted). | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/25/2025 Recd revised EOI reflecting the correct loan number. - 06/25/2025 Recd revised EOI reflecting the correct loan number. | Funded C A |
| (redacted) | 304729044 (redacted) | 1116902 | 06/23/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 2 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/24/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. | Funded C B |
| (redacted) | 304734111 (redacted) | 1118620 | 07/03/2025 | Compliance | Flood Notice Was Not Provided to Applicant(s) | FLOOD 0001 | 2 | 2 | Acknowledged | Missing evidence the Notice of Special Flood Hazard disclosure was provided to the borrower. Flood zone is AE.. |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified. <br>; |  | Client: 07/03/2025 EV2/B - Investor Acknowledged Exception. | Funded B |
| (redacted) | 304907192 (redacted) | 1154221 | 12/12/2025 | Credit | DSCR Calculation Discrepancy | DSCR 0001 | 3 | 1 | Closed | Review DSCR (redacted) < (redacted) using market rent of (redacted) which is less than the monthly rent from the newly executed leases of (redacted) dated (redacted). Lender qualified the borrower using the monthly rent from the leases. Evidence of deposit and first months rent was not provided in file. Additionally, lender did not include the monthly HOA fee of (redacted). --Per guidelines, Qualifying Rental Income for Subject Property: Gross Income - Defined as the lower of estimated market rent from appraisal Form (redacted) ((redacted) units) or monthly rent from existing property leases if available. If the lease rent amount is higher, it may be utilized with two (redacted) months' proof of receipt | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached updated DSCR calc using the lesser market rent and including the HOA fee. Review DSCR (redacted) > (redacted) Minimum Required. Vacancy factor applied in error at time of initial review resulting in the DSCR < (redacted). - 12/16/2025 Finding is cleared with the attached updated DSCR calc using the lesser market rent and including the HOA fee. Review DSCR (redacted) > (redacted) Minimum Required. Vacancy factor applied in error at time of initial review resulting in the DSCR < (redacted). | Funded C A |
| (redacted) | 304907192 (redacted) | 1154223 | 12/12/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Appraiser's analysis of the actual current rent of (redacted) does not match to the recently executed lease agreements (redacted) dated (redacted). Prior lease agreements were not provided for review. The discrepancy should be addressed. | 12/29/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/29/2025 Finding is cleared with the attached revised appraisal report. - 12/29/2025 Finding is cleared with the attached revised appraisal report. | Funded C A |
| (redacted) | 304907192 (redacted) | 1154227 | 12/12/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 3 | 2 | Acknowledged | Missing final title policy or evidence that the vendors lien dated (redacted) in the amount of (redacted) has been satisfied. Loan proceeds were not used to payoff any liens. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 02/11/2026 EV2/B Finding is downgraded with the attached release of lien filed post-consummation. | Funded C B |
| (redacted) | 304907192 (redacted) | 1154234 | 12/12/2025 | Credit | Missing and/or Deficient Name Affidavit | CRED 0094 | 3 | 2 | Acknowledged | Missing name affidavit, (redacted). Name spelling varies between Drivers License, Entity Docs, Title, and Security Instrument. Signature/Name affidavit in file does not reflect the alternate name. Closing condition (redacted), Closing - AKA Statement - Closer to prepare final AKA statement for the following AKA'S: (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/31/2025 EV2/B - Received post-consummation dated Signature/Name Affidavit. | Funded C B |
| (redacted) | 304907192 (redacted) | 1154235 | 12/12/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing borrower signed statement confirming that the borrowing entity was established to manage real estate. Operating Agreement does not explicitly state the purpose. Closing condition (redacted), Funding - Prior to Funding Condition - Signed statement from the borrower that the purpose of (redacted) is to buy and rent real estate.--Per guidelines, (redacted) must have been created to manage rental properties only. | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached borrower signed statement confirming that the borrowing entity was established to buy and rent real estate. - 12/16/2025 Finding is cleared with the attached borrower signed statement confirming that the borrowing entity was established to buy and rent real estate.<br>12/15/2025 Cash out letter is insufficient to satisfy the finding. -- Missing is borrower signed statement confirming that the borrowing entity was established to manage real estate. | Funded C A |
| (redacted) | 304907192 (redacted) | 1154241 | 12/12/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing Corporate Resolution, (redacted), and Correction Agreement. -- Per Guidelines, (redacted) as Mortgagor with Personal Guarantor: Corporate Resolution from the board to authorize the taking out of debt in the (redacted)s name; All (redacted) authorized signers (non-guarantors) must sign the following documents: Correction agreement. | 02/20/2026 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 02/20/2026 Review confirmed both owners executed the Note, thus satisfactorily documenting the authorization of the loan in the name of the business. - 02/20/2026 Review confirmed both owners executed the Note, thus satisfactorily documenting the authorization of the loan in the name of the business.<br> 02/20/2026 Finding is partially cleared with the attached correction agreement. Still missing Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name.<br> 12/31/2025 Finding is partially cleared with the attached correction agreement. Still missing Corporate Resolution to borrower, (redacted). | Funded D A |
| (redacted) | 304907192 (redacted) | 1154242 | 12/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Property insurance is in the name of the guarantor, not in the name of (redacted). -- Per guidelines, Policies must be in the name of the (redacted). | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached EOI, name of insured updated to (redacted). - 12/16/2025 Finding is cleared with the attached EOI, name of insured updated to (redacted). | Funded C A |
| (redacted) | 305027277 (redacted) | 1157236 | 12/31/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 3 | 1 | Closed | E-Sign Consent and Tracking Documentation is not in file. Some documents are electronically executed. | 01/06/2026 |  |  | 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. - 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157667 | 01/05/2026 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing credit supplement evidencing < (redacted) months payments remaining, (redacted). The (redacted) payment was excluded, but there was (redacted) payments remaining based on the outstanding balance of (redacted) ((redacted) months). -- Per (redacted), For each liability that belongs to the borrower, provide documentation that supports the omission. -- Per (redacted), All installment debt that is not secured by a financial asset—including student loans, automobile loans, personal loans, and timeshares—must be considered part of the borrower's recurring monthly debt obligations if there are more than ten monthly payments remaining. -- DTI increased (redacted) with the payment considered (Max (redacted)). DTI increase > (redacted) requires (redacted) resubmission if the credit supplement does not reflect < (redacted) months remaining. --- Per (redacted), (redacted) loans trigger for resubmission — the result of these changes causes the DTI ratio recalculated by the lender to now exceed (redacted), or increase by (redacted) percentage points or more (if the recalculated DTI ratio is (redacted) or less). | 01/07/2026 |  |  | 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted) months remaining. - 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted)months remaining. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157686 | 01/05/2026 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 3 | 1 | Closed | Missing investor acknowledgment. DTI is (redacted) excluding the non-occupying borrowers' income. Guidelines defer to (redacted). -- Per (redacted) selling guide (redacted), Down Payment and Qualifying Ratio Requirements for Manually Underwritten Loans: Using only the income of the occupying borrower(s) to calculate the DTI ratio, the maximum allowable DTI ratio is (redacted). Note: This policy applies even if the combined qualifying ratios for the borrower and the guarantor, co-signer, or non-occupant borrower are well below (redacted) standard qualifying ratio benchmark. Minimum credit score and reserve requirements based on the LTV ratio and combined qualifying ratios of all borrowers must be met per the Eligibility Matrix. | 01/07/2026 |  |  | 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. - 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157701 | 01/05/2026 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 3 | 1 | Closed | Missing copies of deposit and first months rent for co-borrowers primary residence, (redacted). Only the lease agreement was provided. -- Per (redacted), The amount of the rental housing expense must be verified and documented. Acceptable documentation includes a copy of a current executed lease agreement and two months cancelled checks. | 01/19/2026 |  |  | 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. - 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. | Funded C A |
| (redacted) | 305024514 (redacted) | 1159158 | 01/12/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Entity Certificate is missing executed pg (redacted) of (redacted). | 02/23/2026 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required in (redacted).; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. VOR confirms (redacted) months satisfactory rental rating on primary residence.; |  | 02/23/2026 Finding is cleared with the attached complete copy of the executed entity certificate. - 02/23/2026 Finding is cleared with the attached complete copy of the executed entity certificate. | Funded D A |
| (redacted) | 305024514 (redacted) | 1159197 | 01/12/2026 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | 2 | Acknowledged | Investor acknowledged exception in file to utilize the market value of (redacted) for LTV. Property was recently acquired for (redacted) in a bulk portfolio transaction on (redacted). Appraiser noted (redacted) in improvements since acquisition. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required in (redacted).; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. VOR confirms (redacted) months satisfactory rental rating on primary residence.; |  | 01/12/2026 EV2/B Investor Acknowledged Exception | Funded C B |
| (redacted) | 305024514 (redacted) | 1159217 | 01/12/2026 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 3 | 1 | Closed | Missing payoff statement, (redacted). Borrower was liable for a prepayment penalty per Note, which does not appear to have been paid at closing . | 02/23/2026 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required in (redacted).; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. VOR confirms (redacted) months satisfactory rental rating on primary residence.; |  | 02/23/2026 Attached email confirms prepayment penalty was waived as courtesy to the client. Attached email (redacted), (redacted), matches to the payoff in file. - 02/23/2026 Attached email confirms prepayment penalty was waived as courtesy to the client. Attached email (redacted), (redacted), matches to the payoff in file. | Funded C A |
| (redacted) | 305024514 (redacted) | 1159218 | 01/12/2026 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Missing evidence of liquidation from (redacted) whole life insurance policy with terms of repayment. The (redacted) balance as of (redacted) in the amount of (redacted) was not sufficient to cover cash to close (redacted) -- Per guidelines (redacted), To document receipt of funds from the insurance company, a copy of the check from the insurer or copy of the payout statement issued by the insurer must be obtained. The client must assess any repayment obligations to determine any impact on borrower qualification or reserves. If penalties for failure to repay the loan are limited to the surrender of the policy, payments on a loan secured by the cash value of a borrower's life insurance policy do not have to be considered in the total debt-to-income ratio. If additional obligations are indicated, the amount must be factored into the total debt-to-income ratio or subtracted from the borrower's reserves | 03/23/2026 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required in (redacted).; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. VOR confirms (redacted) months satisfactory rental rating on primary residence.; |  | 03/23/2026 Finding is cleared with the attached email form title agent confirming wire deposit of (redacted) on (redacted) are proceeds related to another property, (redacted), not subject property. - 03/23/2026 Finding is cleared with the attached email form title agent confirming wire deposit of (redacted) on (redacted) are proceeds related to another property,(redacted), not subject property. <br> 03/23/2026 Finding is cleared with the attached email form title agent confirming wire deposit of (redacted) on (redacted) are proceeds related to another property, (redacted), not subject property. <br> 03/18/2026 Subject is a multi-family property. Wire deposit from (redacted) for benefit of (redacted) to payoff loan (redacted). Missing confirmation from closing agent, (redacted), as to whether the deposited funds of (redacted) on (redacted) are loan proceeds, and if so confirm subject property is not the collateral on the loan. Also missing confirmation that the loan to (redacted) from (redacted) is not associated with the subject property. If it is then VOM is required along with satisfaction of mortgage.<br> 03/13/2026 This private loan, (redacted), on subject property was not identified on title or disclosed in file. Missing VOM<br> 03/12/2026 Wire from (redacted) was credited to the borrowers (redacted) account on (redacted), which was withdrawn to open a new business account, (redacted), in the name of the borrowing entity; funds from the new account were then used for cash to close (CRED 0016). -- Finding remains. Wired funds used to cover cash to close is sourced from title agent which noted, payoff loan (redacted). Missing explanation from title agent where the funds originated from since subject transaction loan proceeds were to be used to payoff the loan on subject property, (redacted).<br> 03/03/2026 Received (redacted) asset statement dated (redacted). Missing additional statement. Per guidelines, Verification of assets is required for purchase or refinance transactions to evidence sufficient funds to close. Assets must be verified with most recent 2 months' account statements or quarterly account statements. | Funded C A |
| (redacted) | 305031326 (redacted) | 1169414 | 02/27/2026 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 2 | Acknowledged | Missing insurers replacement cost estimate. EOI reflects ACV coverage (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. |  |  |  | 04/01/2026 EV2/B - Investor accepts the coverage that is sufficient to cover the Note amount.<br>03/30/2026 Escalated to investor for review.<br>03/10/2026 Guidelines calculate required coverage based on the insurable value of the improvements as established by the property insurer, not the appraisal value. | Funded C B |
| (redacted) | 305031326 (redacted) | 1169431 | 02/27/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Loan file is missing the following documents:<br>Business Purpose of Loan Certification, copy in file is not signed (redacted);<br>Articles of Organization, (redacted);<br>Operating Agreement, copy in file is not signed by the co-owner (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity; | 04/08/2026 |  |  | 04/08/2026 Finding is cleared with the attached (redacted) search confirming as active business status dated within (redacted) days of closing. - 04/08/2026 Finding is cleared with the attached (redacted) search confirming as active business status dated within (redacted) days of closing.<br> 03/25/2026 COGS > (redacted) days. Provide a post-consummation dated COGS or (redacted) search to satisfy the finding.<br> -- <br> --<br> Per gl, all loan documentation must be dated within (redacted) days of closing.<br> 03/25/2026 COGS > (redacted) days. Provide a post-consummation dated COGS or (redacted) search to satisfy the finding. | Funded D A |
| (redacted) | 305031326 (redacted) | 1169622 | 03/02/2026 | Credit | Missing Evidence the Hazard Insurance Carrier Rating was Obtained | HAZ 0006 | 3 | 1 | Closed | Missing hazard insurance carrier rating as required per guidelines. | 04/02/2026 |  |  | 04/02/2026 Insurance agent confirms carrier has an A+ rating. - 04/02/2026 Insurance agent confirms carrier has an A+ rating. | Funded C A |
| (redacted) | 305031326 (redacted) | 1169705 | 03/02/2026 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). | 03/17/2026 |  |  | 03/17/2026 Recd response from investor, While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. - 03/17/2026 Recd response from investor, While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations.<br>03/10/2026 The finding is not related to a guideline requirement but a risk assessment. Finding has been escalated to investor for review. | Funded C A |
| (redacted) | 305031325 (redacted) | 1169598 | 03/02/2026 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 2 | Acknowledged | Missing insurers replacement cost estimate. EOI does not show replacement cost coverage as being included (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. |  |  |  | 04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount.<br>03/30/2026 Escalated to investor.<br>03/25/2026 Presentments are related to CRED 0143. | Funded C B |
| (redacted) | 305031325 (redacted) | 1169608 | 03/02/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity (redacted);<br>| 04/08/2026 |  |  | 04/08/2026 Finding is cleared with the Certificate of Organization that confirms the business is for the investment and management of residential and commercial real estate. - 04/08/2026 Finding is cleared with the Certificate of Organization that confirms the business is for the investment and management of residential and commercial real estate. <br> 04/08/2026 Still missing a LOE or addendum to the operating agreement confirming the original purpose of the vesting entity was to manage real estate (redacted);<br> 03/23/2026 Finding is partially cleared with the attached COGS, (redacted). Still missing a LOE or addendum to the operating agreement confirming the original purpose of the vesting entity was to manage real estate (redacted);<br> 03/12/2026 Attached (redacted) is for (redacted) which was involuntary dissolved, not (redacted). -- Finding remains. Missing the following documents:<br> Certificate of Good Standing, (redacted);<br> A LOE or addendum to the operating agreement confirming the original purpose of the vesting entity (redacted); | Funded D A |
| (redacted) | 305031325 (redacted) | 1169609 | 03/02/2026 | Credit | Missing Evidence the Hazard Insurance Carrier Rating was Obtained | HAZ 0006 | 3 | 1 | Closed | Missing hazard insurance carrier rating as required per guidelines (redacted). | 04/02/2026 |  |  | 04/02/2026 Recd (redacted) Rating, A+ - 04/02/2026 Recd (redacted) Rating, A+ | Funded C A |
| (redacted) | 305031325 (redacted) | 1169706 | 03/02/2026 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing investor acknowledgment for same (redacted) being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). | 03/17/2026 |  |  | 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same (redacted) on these based on our research of the valuations. - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations.<br>03/12/2026 Escalated to investor for review. | Funded C A |
| (redacted) | 305031328 (redacted) | 1169653 | 03/02/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity;<br>| 04/08/2026 |  |  | 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status. - 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status. (redacted) is dated < (redacted) days prior to closing.<br> 03/25/2026 COGS > (redacted) days. Provide post-consummation dated COGS or (redacted) search to satisfy the finding. | Funded D A |
| (redacted) | 305031328 (redacted) | 1169654 | 03/02/2026 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 2 | Acknowledged | Missing insurers replacement cost estimate. EOI doesn't show that the policy includes replacement cost coverage. Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. |  |  |  | 04/02/2026 EV2/B - Investor accepts coverage sufficient too cover the note amount.<br>03/30/2026 Escalated to investor. | Funded C B |
| (redacted) | 305031328 (redacted) | 1169655 | 03/02/2026 | Credit | Missing Evidence the Hazard Insurance Carrier Rating was Obtained | HAZ 0006 | 3 | 1 | Closed | Missing hazard insurance carrier rating as required per guidelines. | 04/02/2026 |  |  | 04/02/2026 Insurance agency confirms carrier has an A+ rating. TPR pulled (redacted) rating for (redacted) confirming (redacted) rating. - 04/02/2026 Insurance agency confirms carrier has an A+ rating. TPR pulled (redacted) rating for (redacted) confirming A+ rating.<br> 03/30/2026 Attached email does not provide the insurer rating. Lender can obtain insurer rating from (redacted). | Funded C A |
| (redacted) | 305031328 (redacted) | 1169708 | 03/02/2026 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). | 03/17/2026 |  |  | 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. | Funded C A |
| (redacted) | 305031327 (redacted) | 1169689 | 03/02/2026 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 2 | Acknowledged | Missing insurers replacement cost estimate. EOI reflects ACV coverage (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. |  |  |  | 04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount. | Funded C B |
| (redacted) | 305031327 (redacted) | 1169692 | 03/02/2026 | Credit | Missing Evidence the Hazard Insurance Carrier Rating was Obtained | HAZ 0006 | 3 | 1 | Closed | Missing hazard insurance carrier rating as required per guidelines . | 04/02/2026 |  |  | 04/02/2026 Recd (redacted) Rating, A+. - 04/02/2026 Recd (redacted) Rating, A+.<br> 03/30/2026 Presentment does not relate to HAZ 0006 finding. | Funded C A |
| (redacted) | 305031327 (redacted) | 1169693 | 03/02/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted).<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity;<br>| 04/08/2026 |  |  | 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status. - 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status.<br> 03/25/2026 COGS > (redacted) Days. Provide post-consummation dated COGS or (redacted) search to satisfy the finding. <br> 03/18/2026 The purpose of the company is to engage in any lawful act of activity for which a (redacted) may be formed with the commonwealth of (redacted). -- Finding remains. Per guidelines, Purpose of the (redacted) is for the ownership and management of real estate. A LOE or addendum to the operating agreement may be required to confirm the original purpose of the vesting entity.<br> 03/18/2026 Finding is partially cleared with the attached COGS issued within (redacted) days from closing. | Funded D A |
| (redacted) | 305031327 (redacted) | 1169709 | 03/02/2026 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). | 03/17/2026 |  |  | 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. | Funded C A |
| (redacted) | 305071750 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 305065553 (redacted) | 1173932 | 03/27/2026 | Compliance | Missing CD(s). | TRID 0208 | 3 | 1 | Closed | Community Property State, Missing Final CD executed by non-borrowing vested owner. (redacted) | 04/01/2026 |  |  | 04/01/2026 TPR set in error, in transactions that are not rescindable, the CD may be provided to any consumer with primary liability on the obligation. - 04/01/2026 TPR set in error, in transactions that are not rescindable, the CD may be provided to any consumer with primary liability on the obligation.<br>04/01/2026 Recd settlement statement provided by title. Missing is a copy of the lender issued final CD signed by the non-borrowing spouse. | Funded C A |
| (redacted) | 305065553 (redacted) | 1173935 | 03/27/2026 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 3 | 1 | Closed | Missing borrower accepted eDisclosure or documented eConsent date. | 04/02/2026 |  |  | 04/02/2026 Finding is cleared with the attached eConsent. - 04/02/2026 Finding is cleared with the attached eConsent. | Funded C A |
| (redacted) | 305073543 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |

---

## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.29**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304725144 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304725145 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304729044 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt (redacted) |
| 304734111 (redacted) | 2 | 2 B A | 3 | Not Covered / Exempt (redacted) |
| 304907192 (redacted) | 4 | 2 D A C B | 1 | Not Covered / Exempt (redacted) |
| 305027277 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML (redacted) |
| 305024514 (redacted) | 4 | 2 D A B | 1 | Not Covered / Exempt (redacted) |
| 305031326 (redacted) | 4 | 2 D A B | 3 | Not Covered / Exempt (redacted) |
| 305031325 (redacted) | 4 | 2 D A B | 3 | Not Covered / Exempt (redacted) |
| 305031328 (redacted) | 4 | 2 D A B | 3 | Not Covered / Exempt (redacted) |
| 305031327 (redacted) | 4 | 2 D A B | 3 | Not Covered / Exempt (redacted) |
| 305071750 (redacted) | 1 | 1 A |  | Not Covered / Exempt (redacted) |
| 305065553 (redacted) | 3 | 1 C A |  | QM (APOR) / Non-HPML (redacted) |
| 305073543 (redacted) | 1 | 1 A |  | Not Covered / Exempt (redacted) |

---

## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **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** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **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** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Variance Amount** | **Variance(%)** | **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) | 304725144 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304725145 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304729044 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304734111 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304907192 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305027277 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305024514 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305031326 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | (redacted) | 5.68% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305031325 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | (redacted) | 13.10% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305031328 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | (redacted) | 4.52% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305031327 (redacted) | 0.00 | No | No (redacted) |  |  | (redacted) | (redacted) | -7.79% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305071750 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 305065553 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 305073543 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| 304725144 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). - 06/20/2025 Please see response from loan (redacted) with the same condition that was satisfied. "EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing." |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing corrected insurance reflecting the subject loan number. Loan number is inaccurate, actual loan number, (redacted). - 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted).<br>APP 0002 Final 1003 Application is Incomplete - Missing Loan Application, which includes property / rental / financial information, declarations, and the loan originator information. The (redacted) application consists of (redacted) parts: Business Purpose Borrower Application, Loan Application, and Guarantor Application. Loan file includes Business Purpose Borrower Application and Guarantor Application. - 06/16/2025 Recd Loan Application.<br>|  |
| 304725145 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). - 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. |  | COLL 0002 APN Number and/or Legal Descriptions do not match security instrument - APN on the Mortgage is inaccurate. Actual APN per appraisal / title commitment / tax cert, (redacted). - 06/17/2025 Recd scrivener's affidavit.<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing corrected insurance reflecting the subject loan number. EOI loan number is inaccurate, actual loan number, (redacted). - 06/17/2025 Recd revised EOI with correct loan number (redacted).<br>COMP 0047 File Documentation is Incomplete (Compliance) - Entity Certificate is not signed by the borrowing guarantor. The Entity Certificate is only signed by limited owner. - 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor.<br>|  |
| 304729044 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; | CRED 0089 Missing Required Fraud Tool - Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). - 06/23/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing revised evidence of insurance reflecting the correct loan number, (redacted). EOI in file reflects loan number (redacted). - 06/25/2025 Recd revised EOI reflecting the correct loan number.<br>|  |
| 304734111 (redacted) | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified. <br>; | FLOOD 0001 Flood Notice Was Not Provided to Applicant(s) - Missing evidence the Notice of Special Flood Hazard disclosure was provided to the borrower. Flood zone is AE. - 07/03/2025 EV2/B - Investor Acknowledged Exception. |  |  |  |
| 304907192 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; | TITL 0003 Title Issue affecting Lien Position - Missing final title policy or evidence that the vendors lien dated (redacted) in the amount of (redacted) has been satisfied. Loan proceeds were not used to payoff any liens. - EV2/B Finding is downgraded with the attached release of lien filed post-consummation.<br>CRED 0094 Missing and/or Deficient Name Affidavit - Missing name affidavit, (redacted). Name spelling varies between Drivers License, Entity Docs, Title, and Security Instrument. Signature/Name affidavit in file does not reflect the alternate name. Closing condition (redacted), Closing - AKA Statement - Closer to prepare final AKA statement for the following AKA'S: (redacted). - EV2/B - Received post-consummation dated Signature/Name Affidavit. |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Property insurance is in the name of the guarantor, not in the name of (redacted). -- Per guidelines, Policies must be in the name of the (redacted). - 12/16/2025 Finding is cleared with the attached EOI, name of insured updated to (redacted).<br>CRED 0104 Missing Letter of Explanation - Missing borrower signed statement confirming that the borrowing entity was established to manage real estate. Operating Agreement does not explicitly state the purpose. Closing condition (redacted), Funding - Prior to Funding Condition - Signed statement from the borrower that the purpose of (redacted) is to buy and rent real estate.--Per guidelines, (redacted) must have been created to manage rental properties only. - 12/16/2025 Finding is cleared with the attached borrower signed statement confirming that the borrowing entity was established to buy and rent real estate.<br>CRED 0143 Entity Documentation is Insufficient - Missing Corporate Resolution, (redacted), and Correction Agreement. -- Per Guidelines, (redacted) as Mortgagor with Personal Guarantor: Corporate Resolution from the board to authorize the taking out of debt in the (redacted)s name; All (redacted) authorized signers (non-guarantors) must sign the following documents: Correction agreement. - 02/20/2026 Review confirmed both owners executed the Note, thus satisfactorily documenting the authorization of the loan in the name of the business.<br>DSCR 0001 DSCR Calculation Discrepancy - Review DSCR (redacted) < (redacted) using market rent of (redacted) which is less than the monthly rent from the newly executed leases of (redacted) dated (redacted). Lender qualified the borrower using the monthly rent from the leases. Evidence of deposit and first months rent was not provided in file. Additionally, lender did not include the monthly HOA fee of (redacted). --Per guidelines, Qualifying Rental Income for Subject Property: Gross Income - Defined as the lower of estimated market rent from appraisal Form (redacted) ((redacted) units) or monthly rent from existing property leases if available. If the lease rent amount is higher, it may be utilized with two (redacted) months' proof of receipt - 12/16/2025 Finding is cleared with the attached updated DSCR calc using the lesser market rent and including the HOA fee. Review DSCR (redacted) > (redacted) Minimum Required. Vacancy factor applied in error at time of initial review resulting in the DSCR < (redacted).<br>APPR 0002 Appraisal is Incomplete - Appraiser's analysis of the actual current rent of (redacted) does not match to the recently executed lease agreements (redacted) dated (redacted). Prior lease agreements were not provided for review. The discrepancy should be addressed. - 12/29/2025 Finding is cleared with the attached revised appraisal report. <br>|  |
| 305027277 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | TRID 0134 Missing E-Sign Disclosure - E-Sign Consent and Tracking Documentation is not in file. Some documents are electronically executed. - 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date.<br>CRED 0097 Missing Verification of Liability (Contingent or Otherwise) - Missing copies of deposit and first months rent for co-borrowers primary residence, (redacted). Only the lease agreement was provided. -- Per (redacted), The amount of the rental housing expense must be verified and documented. Acceptable documentation includes a copy of a current executed lease agreement and two months cancelled checks. - 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying.<br>CRED 0004 Back-end Ratio exception (DTI) - Missing investor acknowledgment. DTI is (redacted) excluding the non-occupying borrowers' income. Guidelines defer to (redacted). -- Per (redacted) selling guide (redacted), Down Payment and Qualifying Ratio Requirements for Manually Underwritten Loans: Using only the income of the occupying borrower(s) to calculate the DTI ratio, the maximum allowable DTI ratio is (redacted). Note: This policy applies even if the combined qualifying ratios for the borrower and the guarantor, co-signer, or non-occupant borrower are well below (redacted) standard qualifying ratio benchmark. Minimum credit score and reserve requirements based on the LTV ratio and combined qualifying ratios of all borrowers must be met per the Eligibility Matrix. - 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower.<br>CRED 0093 Credit Documentation is Insufficient - Missing credit supplement evidencing < (redacted) months payments remaining, (redacted). The (redacted) payment was excluded, but there was (redacted) payments remaining based on the outstanding balance of (redacted) ((redacted) months). -- Per (redacted), For each liability that belongs to the borrower, provide documentation that supports the omission. -- Per (redacted), All installment debt that is not secured by a financial asset—including student loans, automobile loans, personal loans, and timeshares—must be considered part of the borrower's recurring monthly debt obligations if there are more than ten monthly payments remaining. -- DTI increased (redacted) with the payment considered (Max (redacted)). DTI increase > (redacted) requires (redacted) resubmission if the credit supplement does not reflect < (redacted) months remaining. --- Per (redacted), (redacted) loans trigger for resubmission — the result of these changes causes the DTI ratio recalculated by the lender to now exceed (redacted), or increase by (redacted) percentage points or more (if the recalculated DTI ratio is (redacted) or less). - 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted) months remaining.<br>|  |
| 305024514 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required in (redacted).; Verified housing payment history - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months. VOR confirms (redacted) months satisfactory rental rating on primary residence.; | GIDE 0001 Guideline Exception(s) - Investor acknowledged exception in file to utilize the market value of (redacted) for LTV. Property was recently acquired for (redacted) in a bulk portfolio transaction on (redacted). Appraiser noted (redacted) in improvements since acquisition. - 01/12/2026 EV2/B Investor Acknowledged Exception |  | DMND 0003 Missing Payoff/Demand Statement - Missing payoff statement, (redacted). Borrower was liable for a prepayment penalty per Note, which does not appear to have been paid at closing . - 02/23/2026 see email - 02/23/2026 Attached email confirms prepayment penalty was waived as courtesy to the client. Attached email (redacted), (redacted), matches to the payoff in file.<br>CRED 0143 Entity Documentation is Insufficient - Entity Certificate is missing executed pg (redacted) of (redacted). - 02/21/2026 see attached - 02/23/2026 Finding is cleared with the attached complete copy of the executed entity certificate.<br>CRED 0016 Insufficient Verified Funds to Close - Missing evidence of liquidation from (redacted) whole life insurance policy with terms of repayment. The (redacted) balance as of (redacted) in the amount of (redacted) was not sufficient to cover cash to close (redacted) -- Per guidelines (redacted), To document receipt of funds from the insurance company, a copy of the check from the insurer or copy of the payout statement issued by the insurer must be obtained. The client must assess any repayment obligations to determine any impact on borrower qualification or reserves. If penalties for failure to repay the loan are limited to the surrender of the policy, payments on a loan secured by the cash value of a borrower's life insurance policy do not have to be considered in the total debt-to-income ratio. If additional obligations are indicated, the amount must be factored into the total debt-to-income ratio or subtracted from the borrower's reserves - 03/03/2026 see attached <br> 03/12/2026 The funds came from the business account above. The borrower owns (redacted). The account was funded from a joint account above as well. The (redacted) months statements (redacted) and (redacted) funded the new acct <br> 03/13/2026 see attached <br> 03/17/2026 The loan opened (redacted) and was to pay off a loan on a different property (redacted). and was opened the month we closed the loan<br> 03/20/2026 (redacted) payment was made - balloon note - see documents attached. <br> 03/20/2026 see attached - 03/23/2026 Finding is cleared with the attached email form title agent confirming wire deposit of (redacted) on (redacted) are proceeds related to another property, (redacted), not subject property. <br>|  |
| 305031326 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing insurers replacement cost estimate. EOI reflects ACV coverage (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. - 04/01/2026 EV2/B - Investor accepts the coverage that is sufficient to cover the Note amount.<br>03/10/2026 Hello, the condition for an RCE is not required. Please see the breakdown below:<br>Loan amount/Note (redacted)<br>Dwelling (redacted)<br>Appraisal (redacted) x (redacted) = (redacted) – so it equals the Dwelling/Building as listed on the HOI<br>Thank you,(redacted)<br>03/30/2026 see attached <br>04/01/2026 EV2/B - Investor accepts the coverage that is sufficient to cover the Note amount. |  | CRED 0143 Entity Documentation is Insufficient - Loan file is missing the following documents:<br>Business Purpose of Loan Certification, copy in file is not signed (redacted);<br>Articles of Organization, (redacted);<br>Operating Agreement, copy in file is not signed by the co-owner (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity; - 03/25/2026 Please see the Cert of Good Standing, Operating Agreement and LOE<br>03/25/2026 Please see the attached Certificate of Organization, Cert of Good Standing, Operating Agreement and LOE. <br>04/07/2026 see attached - 04/08/2026 Finding is cleared with the attached (redacted) search confirming as active business status dated within (redacted) days of closing.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). - 03/10/2026 Hello, please advise on where in our guidelines it states that the investor approval is required? It is not required. Thank you, (redacted)<br>03/17/2026 Recd response from investor, While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. - 03/17/2026 Recd response from investor, While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations.<br>HAZ 0006 Missing Evidence the Hazard Insurance Carrier Rating was Obtained - Missing hazard insurance carrier rating as required per guidelines. - 04/01/2026 Please see the attached email from the Insurance Company confirming that the insurance carrier on all four properties is an A+. - 04/02/2026 Insurance agent confirms carrier has an A+ rating. <br>|  |
| 305031325 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing insurers replacement cost estimate. EOI does not show replacement cost coverage as being included (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. - 04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount.<br>03/25/2026 Please see the Cert of Good Standing, Operating Agreement and LOE<br>03/30/2026 see attached <br>04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount. |  | HAZ 0006 Missing Evidence the Hazard Insurance Carrier Rating was Obtained - Missing hazard insurance carrier rating as required per guidelines (redacted). - 04/01/2026 Please see the attached from (redacted) for all four properties. I put this under appraisal, because I did not see an accurate remedy on the drop down. - 04/02/2026 Recd (redacted) Rating, A+<br>CRED 0143 Entity Documentation is Insufficient - Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity (redacted);<br>- 03/12/2026 Please see the attached Business Summary for the (redacted), but no longer in business<br>03/23/2026 Please see the Certificate of Good Standing and the Signed Corporate Resolution for (redacted)<br>04/07/2026 see attached <br>04/08/2026 Please see the attached Certificate of Organization - 04/08/2026 Finding is cleared with the Certificate of Organization that confirms the business is for the investment and management of residential and commercial real estate. <br>APRV 0010 Underwriting Loan Approval is Deficient - Missing investor acknowledgment for same (redacted) being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same (redacted) on these based on our research of the valuations.<br>|  |
| 305031328 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing insurers replacement cost estimate. EOI doesn't show that the policy includes replacement cost coverage. Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. - 04/02/2026 Please see the email confirmation that RCE cannot be provided on all four properties. <br>03/30/2026 see attached <br>04/02/2026 Please see the email confirmation that RCE cannot be provided on all four properties. |  | APRV 0010 Underwriting Loan Approval is Deficient - Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations. - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations.<br>HAZ 0006 Missing Evidence the Hazard Insurance Carrier Rating was Obtained - Missing hazard insurance carrier rating as required per guidelines. - 03/30/2026 See the attached email on the A+ carrier rating on all four properties. There is no document, so we are providing an email confirmation. Please scroll down on the email. <br>04/02/2026 Please see the attached (redacted) document, which applies to all four properties - 04/02/2026 Insurance agency confirms carrier has an A+ rating. TPR pulled (redacted) rating for (redacted) confirming (redacted) rating.<br>CRED 0143 Entity Documentation is Insufficient - Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted);<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity;<br>- 03/25/2026 Please see the attached Cert of Good Standing, Operating Agreement and the LOE<br>04/07/2026 see attached - 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status.<br>|  |
| 305031327 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  |  | INS 0001 Missing Sufficient Evidence of Insurance - Missing insurers replacement cost estimate. EOI reflects ACV coverage (redacted). Coverage sufficient to cover the Note amount is acceptable provided it is at least (redacted) of the replacement cost. - 04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount.<br>04/02/2026 EV2/B - Investor accepts coverage sufficient to cover the note amount. |  | CRED 0143 Entity Documentation is Insufficient - Loan file is missing the following documents:<br>Certificate of Good Standing, (redacted).<br>An LOE or addendum to the operating agreement confirming the original purpose of the vesting entity;<br>- 03/17/2026 Please see the uploaded Certificate of Good Standing and the Operating Agreement<br>03/18/2026 Please see the attached Certificate of Good Standing and the Operating Agreement<br>03/25/2026 Please see the attached Cert of Good Standing, Operating Agreement and the LOE<br>04/07/2026 see attached - 04/08/2026 Finding is cleared with the attached pre-consummation dated (redacted) search confirming an active business status.<br>HAZ 0006 Missing Evidence the Hazard Insurance Carrier Rating was Obtained - Missing hazard insurance carrier rating as required per guidelines . - 03/30/2026 see attached <br>04/02/2026 Recd (redacted) Rating, A+. - 04/02/2026 Recd (redacted) Rating, A+.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing investor acknowledgment for same appraiser being used on four concurrent transactions (redacted) with the same comparables being used for (redacted) and (redacted). - 03/17/2026 Please see the attached exception form - 03/17/2026 While there was some overlap on the comps, it does appear each property got an individual assessment. As such, we are okay with the same appraiser on these based on our research of the valuations.<br>|  |
| 305071750 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 305065553 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | TRID 0208 Missing CD(s). - Community Property State, Missing Final CD executed by non-borrowing vested owner. (redacted) - 03/31/2026 final signed CD<br>04/01/2026 TPR set in error, in transactions that are not rescindable, the CD may be provided to any consumer with primary liability on the obligation. - 04/01/2026 TPR set in error, in transactions that are not rescindable, the CD may be provided to any consumer with primary liability on the obligation.<br>TRID 0135 No proof borrower(s) can receive documents via the electronic method as intended - Missing borrower accepted eDisclosure or documented eConsent date. - 04/02/2026 eConsent - 04/02/2026 Finding is cleared with the attached eConsent.<br>|  |
| 305073543 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |

---

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.32**

**EXECUTIVE SUMMARY**

JPMMT 2026-NQX2

**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 November 2025 on mortgage loans (the "Loans") originated from July 2025 to October 2025.

The Review consisted of a population of 3 loans with an original loan balance of $1,558,750.

**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

![](ex9932001.jpg)

&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

&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
 of rental income and/or market rents and validation of DSCR calculation, if applicable

&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

![](ex9932001.jpg)

&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

&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,

![](ex9932001.jpg)

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 (also known as General QM) (also known as General 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;&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 October 1, 2022)

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

![](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;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.

&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:

![](ex9932001.jpg)

&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

&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.

![](ex9932001.jpg)

&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. 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.

![](ex9932001.jpg)

&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.

&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

![](ex9932001.jpg)

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

&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.

![](ex9932001.jpg)

&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.

&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:

![](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;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;

&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

- Better Mortgage JP Morgan CIB Residential Purchase Criteria

- FIMC Debt Service Coverage Ratio (DSCR) Non-QM Final

- Northpointe Bank – Section 600 – Expanded Portfolio

- UWM Prime Jumbo Overlays

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary<sup>i</sup>** | &nbsp;&nbsp;**Final Compliance Grade Summary<sup>i</sup>** | &nbsp;&nbsp;**Final Compliance Grade Summary<sup>i</sup>** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.0%** |

---

<sup>i</sup> Business Purpose Loans/Investment Properties for which a compliance review was not completed were given an "A" grade

**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 2 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Coverage is less than all Subject Lien(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &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;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***4*** |

---

**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 2 Loans reviewed, 1 unique Loan (by loan count) had a total of 1 different tape discrepancies across 1 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.

![](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 |

---

![](ex9932001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
|  | &nbsp;&nbsp;property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms, or other eligible forms based on lender/investor requirements. |
| &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

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxx | 304813083 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxx | 1 of 3 | xx/xx/xxxx | 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 09:28 | Cleared | 1 | 1 | 3 | 1 |
| xxxxx | 304813083 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxx | 2 of 3 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide Eligibility Matrices referenced on the xxxxx xxxxx Statement, subject to additional conditions  |  |  | Guidelines provided are sufficient. - xxxxx<br>|  | 2025-09-11 21:48 | Resolved | 3 | 1 | 3 | 1 |
| xxxxx | 304813083 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 20:01 | Cleared | 1 | 1 | 3 | 1 |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 1 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Coverage is less than all Subject Lien(s) | Hazard Insurance Coverage Amount of xxxxx is less than Total Amount of Subject Lien(s) of xxxxx Hazard coverage amount of xxxxx0 is less than the note amount of xxxxx. Neither evidence of guaranteed replacement cost nor Replacement Cost Estimate was provided. <br>|  | Please see attached updated EOI - xxxxx <br>Could you please advise if it will be acceptable for the insurance company to add in actual cash value to the policy which will be sufficient amount of coverage on the policy or does the policy must have restoration costs? - xxxxx<br>| Hazard Insurance Coverage Amount of xxxxx is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - xxxxx<br> Please see attached updated EOI - xxxxx<br> No documentation was provided to support sufficient coverage per guideline requirements. Please provide evidence of sufficient insurance coverage per guideline requirements. - xxxxx<br> Could you please advise if it will be acceptable for the insurance company to add in actual cash value to the policy which will be sufficient amount of coverage on the policy or does the policy must have restoration costs? - xxxxx |  | 2025-11-07 19:17 | Resolved | 1 | 1 | 1 | 1 |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCRxxxxxBusiness Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-04 19:25 | Cleared | 1 | 1 | 1 | 1 |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 3 of 3 | xx/xx/xxxx | 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>|  |  |  |  | 2025-08-04 19:25 | Cleared | 1 | 1 | 1 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 1 of 8 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR xxxxx verification of Mortgage (VOM) Document is Missing. Lender to provide a VOM for the private mortgage for xxxxx xxxxx xxxxx <br>|  | Document Uploaded. - xxxxx<br>| Pay history was provided. Condition resolved. - xxxxx<br> Verification of Rent (VOR xxxxx verification of Mortgage (VOM) Document is not Missing - xxxxx |  | 2025-11-18 22:41 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 2 of 8 | xx/xx/xxxx | 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 xxxxx xxxxx account ending in xxxxx. <br>|  | Document Uploaded. - xxxxx<br>| Two months statements are provided. Condition resolved. - xxxxx<br>Asset 2 Verified Sufficiently Or Not Applicable - xxxxx<br>|  | 2025-11-18 22:43 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 3 of 8 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. <br>|  | Document Uploaded. - xxxxx<br>| Final Settlement Statement provided. Condition resolved. - xxxxx<br>Final HUD-1 Document is not missing or estimated only. - xxxxx<br>|  | 2026-05-20 20:38 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 4 of 8 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. I was unable to locate proof of the rate lock. <br>|  | Document Uploaded. - xxxxx<br>| Received rate lock - xxxxx<br>|  | 2025-11-17 14:35 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 5 of 8 | xx/xx/xxxx | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. Please provide the final settlement statement for the subject property (xxxxx) and the borrower's primary residence (xxxxx) <br>|  | Document Uploaded. - xxxxx<br>| Received HUD-1 - xxxxx<br>|  | 2025-11-17 14:35 | Resolved | 4 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 6 of 8 | xx/xx/xxxx | 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. - xxxxx<br>| Lender's income worksheet provided. Condition resolved. - xxxxx<br>|  | 2025-11-18 22:35 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 7 of 8 | xx/xx/xxxx | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval xxxxx underwriting Summary. Please provide the final approva xxxxx. The 1008 in file reflects a P&I of xxxxx, but the Note reflects a P&I of xxxxx <br>|  | Document Uploaded. - xxxxx<br>| Corrected 1008 provided. Condition resolved - xxxxx<br>|  | 2025-11-18 22:39 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304892338 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xxxxx | 8 of 8 | xx/xx/xxxx | 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 |

---

## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.34**

![](maxwelllogo.jpg)

Client JPMMT 2026-NQX2 <br> Transaction JPMMT 2026-NQX2 <br> Date 05/20/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxx | 304813083 |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxx | 304758682 |  | xx/xx/xxxx | xxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxx | 304892338 |  | xx/xx/xxxx | xxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxx | xxxxx | 304813083 | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1073 Individual Condo Report | xxxxx | xxxxx | xxxxx | 39.2 | 39.2 | xxxxx | xxxxx | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 Eligible | 1 | 07-15-2025 |
| xxxxx | xxxxx | 304758682 | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | xxxxx | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-14-2025 |
| xxxxx | xxxxx | 304892338 | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 65.0 | 65.0 | xxxxx | xxxxx | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | xxxxx | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.36

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxx | xxxxx | 304758682 | xxxxx | Loan Type | xxxxx | xxxxx | xxxxx | xxxxx |
| xxxxx | xxxxx | 304892338 | xxxxx | Verified Doc Type | xxxxx | xxxxx | xxxxx | xxxxx |
| xxxxx | xxxxx | 304892338 | xxxxx | Reviewed Total Debt Income Ratio | xxxxx | xxxxx | xxxxx | xxxxx |
| xxxxx | xxxxx | 304892338 | xxxxx | Final Reviewed QM Status | xxxxx | xxxxx | xxxxx | xxxxx |
| xxxxx | xxxxx | 304892338 | xxxxx | Escrow Indicator | xxxxx | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.37

**Exhibit 99.37**

![](ex9937001.jpg)

JPMMT 2026-NQX2

JPMorgan

Opus Capital Markets Consultants, LLC

&nbsp;&nbsp;5718 Westheimer Road – Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300<br>

---

| | |
|:---|:---|
| Narrative | Page **1** of **22** |

---

**Executive Narrative**

**June 08, 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 three hundred forty eight (348) loans, provided by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("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 three hundred forty eight (348) credit and compliance loans identified as eight (8) QM: Average Prime Offer Rate (APOR) loans, nine (9) NQM loans, twenty-five (25) ATR/QM: CDFI Lender Exempt loans, and three hundred six (306) ATR/QM: Exempt loans, of which seven (7) are DSCR loans and two hundred ninety nine (299) are Business Purpose loans. The 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

---

| | |
|:---|:---|
| Narrative | Page **2** of **22** |

---

---

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

**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.

**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**

● 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

---

| | |
|:---|:---|
| Narrative | Page **3** of **22** |

---

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;i. Confirm
 the initial TIL disclosure and final TIL disclosures were provided.

&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;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;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the
 TRID Rules.

<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).

---

| | |
|:---|:---|
| Narrative | Page **4** of **22** |

---

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;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;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

---

| | |
|:---|:---|
| Narrative | Page **5** of **22** |

---

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;&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.

---

| | |
|:---|:---|
| Narrative | Page **6** of **22** |

---

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;&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

---

| | |
|:---|:---|
| Narrative | Page **7** of **22** |

---

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

---

| | |
|:---|:---|
| Narrative | Page **8** of **22** |

---

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.

---

| | |
|:---|:---|
| Narrative | Page **9** of **22** |

---

● 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

---

| | |
|:---|:---|
| Narrative | Page **10** of **22** |

---

&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**<br>

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.

---

| | |
|:---|:---|
| Narrative | Page **11** of **22** |

---

&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**<br>

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**

---

| | |
|:---|:---|
| Narrative | Page **12** of **22** |

---

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**

● 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**

● 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**

● 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.

---

| | |
|:---|:---|
| Narrative | Page **13** of **22** |

---

**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.

---

| | |
|:---|:---|
| Narrative | Page **14** of **22** |

---

● **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.

---

| | |
|:---|:---|
| Narrative | Page **15** of **22** |

---

**<u>Pool Details</u>**

![](ex9937002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;95.40% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;17 | &nbsp;&nbsp;95.11% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;240 | &nbsp;&nbsp;31.03% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.56% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;21 | &nbsp;&nbsp;93.97% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;85 | &nbsp;&nbsp;75.57% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;94.25% |
| &nbsp;&nbsp;Grand Total of Loans | &nbsp;&nbsp;348 |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were twenty two (22) obligors with multiple loans in the pool.

**Property Inspection Waivers**: No loans had a Property Inspection Waiver.

---

| | |
|:---|:---|
| Narrative | Page **16** of **22** |

---

**<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 |

---

---

| | |
|:---|:---|
| Narrative | Page **17** of **22** |

---

**<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 |

---

---

| | |
|:---|:---|
| Narrative | Page **18** of **22** |

---

**<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 June 04, 2026.

![](ex9937003.jpg)

---

| | |
|:---|:---|
| Narrative | Page **19** of **22** |

---

![](ex9937004.jpg)

---

| | |
|:---|:---|
| Narrative | Page **20** of **22** |

---

**<u>Loans Reviewed (348 loans)</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305049366 | &nbsp;&nbsp;305057850 | &nbsp;&nbsp;305085977 | &nbsp;&nbsp;305083343 | &nbsp;&nbsp;305039570 | &nbsp;&nbsp;305032463 |
| &nbsp;&nbsp;305063774 | &nbsp;&nbsp;305077180 | &nbsp;&nbsp;305084601 | &nbsp;&nbsp;305088571 | &nbsp;&nbsp;305030484 | &nbsp;&nbsp;304868677 |
| &nbsp;&nbsp;305029597 | &nbsp;&nbsp;305099164 | &nbsp;&nbsp;305087053 | &nbsp;&nbsp;305076201 | &nbsp;&nbsp;304866248 | &nbsp;&nbsp;304868675 |
| &nbsp;&nbsp;305059736 | &nbsp;&nbsp;305064746 | &nbsp;&nbsp;305091911 | &nbsp;&nbsp;305085971 | &nbsp;&nbsp;305039569 | &nbsp;&nbsp;305039544 |
| &nbsp;&nbsp;305042225 | &nbsp;&nbsp;305061184 | &nbsp;&nbsp;305096820 | &nbsp;&nbsp;305089883 | &nbsp;&nbsp;304866235 | &nbsp;&nbsp;305030410 |
| &nbsp;&nbsp;305057456 | &nbsp;&nbsp;305082993 | &nbsp;&nbsp;305027513 | &nbsp;&nbsp;305069722 | &nbsp;&nbsp;305030481 | &nbsp;&nbsp;305039543 |
| &nbsp;&nbsp;304911027 | &nbsp;&nbsp;305078465 | &nbsp;&nbsp;305029230 | &nbsp;&nbsp;305077681 | &nbsp;&nbsp;304866173 | &nbsp;&nbsp;305039542 |
| &nbsp;&nbsp;305053763 | &nbsp;&nbsp;305063363 | &nbsp;&nbsp;305069080 | &nbsp;&nbsp;305091031 | &nbsp;&nbsp;305039568 | &nbsp;&nbsp;305030401 |
| &nbsp;&nbsp;304826854 | &nbsp;&nbsp;305069090 | &nbsp;&nbsp;305065862 | &nbsp;&nbsp;305085970 | &nbsp;&nbsp;304866114 | &nbsp;&nbsp;305039541 |
| &nbsp;&nbsp;304909048 | &nbsp;&nbsp;305056351 | &nbsp;&nbsp;305069723 | &nbsp;&nbsp;305094924 | &nbsp;&nbsp;304866101 | &nbsp;&nbsp;305030398 |
| &nbsp;&nbsp;305076771 | &nbsp;&nbsp;305069971 | &nbsp;&nbsp;305058325 | &nbsp;&nbsp;305088570 | &nbsp;&nbsp;304866083 | &nbsp;&nbsp;305039540 |
| &nbsp;&nbsp;304905200 | &nbsp;&nbsp;305077117 | &nbsp;&nbsp;305042038 | &nbsp;&nbsp;305079300 | &nbsp;&nbsp;305039567 | &nbsp;&nbsp;305030395 |
| &nbsp;&nbsp;305077123 | &nbsp;&nbsp;305076898 | &nbsp;&nbsp;305060823 | &nbsp;&nbsp;305094571 | &nbsp;&nbsp;304866074 | &nbsp;&nbsp;305030391 |
| &nbsp;&nbsp;305013263 | &nbsp;&nbsp;305078906 | &nbsp;&nbsp;305056347 | &nbsp;&nbsp;305079853 | &nbsp;&nbsp;304866063 | &nbsp;&nbsp;305039539 |
| &nbsp;&nbsp;305029240 | &nbsp;&nbsp;305075888 | &nbsp;&nbsp;305060801 | &nbsp;&nbsp;305085968 | &nbsp;&nbsp;305032467 | &nbsp;&nbsp;305030382 |
| &nbsp;&nbsp;305029270 | &nbsp;&nbsp;305079233 | &nbsp;&nbsp;305061538 | &nbsp;&nbsp;305087048 | &nbsp;&nbsp;305039566 | &nbsp;&nbsp;305039538 |
| &nbsp;&nbsp;305057553 | &nbsp;&nbsp;305088580 | &nbsp;&nbsp;305061537 | &nbsp;&nbsp;305046133 | &nbsp;&nbsp;304865971 | &nbsp;&nbsp;305039537 |
| &nbsp;&nbsp;305057552 | &nbsp;&nbsp;305089729 | &nbsp;&nbsp;305060658 | &nbsp;&nbsp;305026172 | &nbsp;&nbsp;305039565 | &nbsp;&nbsp;305039536 |
| &nbsp;&nbsp;305070546 | &nbsp;&nbsp;305067109 | &nbsp;&nbsp;305066750 | &nbsp;&nbsp;305025996 | &nbsp;&nbsp;305039564 | &nbsp;&nbsp;305039535 |
| &nbsp;&nbsp;305077122 | &nbsp;&nbsp;305080629 | &nbsp;&nbsp;305087677 | &nbsp;&nbsp;305060983 | &nbsp;&nbsp;304865924 | &nbsp;&nbsp;305039534 |
| &nbsp;&nbsp;305030627 | &nbsp;&nbsp;305083348 | &nbsp;&nbsp;305076266 | &nbsp;&nbsp;305061517 | &nbsp;&nbsp;305039563 | &nbsp;&nbsp;305039533 |
| &nbsp;&nbsp;305053490 | &nbsp;&nbsp;305083347 | &nbsp;&nbsp;305053415 | &nbsp;&nbsp;305039621 | &nbsp;&nbsp;305039562 | &nbsp;&nbsp;305032462 |
| &nbsp;&nbsp;305096904 | &nbsp;&nbsp;305082990 | &nbsp;&nbsp;305057524 | &nbsp;&nbsp;305033650 | &nbsp;&nbsp;305032466 | &nbsp;&nbsp;305030352 |
| &nbsp;&nbsp;305096903 | &nbsp;&nbsp;305083346 | &nbsp;&nbsp;305069077 | &nbsp;&nbsp;305028985 | &nbsp;&nbsp;305030467 | &nbsp;&nbsp;305039532 |
| &nbsp;&nbsp;305096807 | &nbsp;&nbsp;305067637 | &nbsp;&nbsp;305057521 | &nbsp;&nbsp;305034638 | &nbsp;&nbsp;304865844 | &nbsp;&nbsp;305030336 |
| &nbsp;&nbsp;305096806 | &nbsp;&nbsp;305080597 | &nbsp;&nbsp;305064034 | &nbsp;&nbsp;305061713 | &nbsp;&nbsp;304865843 | &nbsp;&nbsp;305039531 |
| &nbsp;&nbsp;305037873 | &nbsp;&nbsp;305078904 | &nbsp;&nbsp;305088391 | &nbsp;&nbsp;305032472 | &nbsp;&nbsp;305039561 | &nbsp;&nbsp;305030329 |
| &nbsp;&nbsp;305088228 | &nbsp;&nbsp;305069139 | &nbsp;&nbsp;305087675 | &nbsp;&nbsp;305039585 | &nbsp;&nbsp;305039559 | &nbsp;&nbsp;305030317 |
| &nbsp;&nbsp;305061193 | &nbsp;&nbsp;305079860 | &nbsp;&nbsp;305085974 | &nbsp;&nbsp;304866530 | &nbsp;&nbsp;305039558 | &nbsp;&nbsp;305039530 |
| &nbsp;&nbsp;305044594 | &nbsp;&nbsp;305078245 | &nbsp;&nbsp;305064967 | &nbsp;&nbsp;304866503 | &nbsp;&nbsp;304865757 | &nbsp;&nbsp;305030291 |
| &nbsp;&nbsp;305085899 | &nbsp;&nbsp;305082988 | &nbsp;&nbsp;305077103 | &nbsp;&nbsp;305039584 | &nbsp;&nbsp;304865752 | &nbsp;&nbsp;305030279 |
| &nbsp;&nbsp;305085898 | &nbsp;&nbsp;305084672 | &nbsp;&nbsp;305069721 | &nbsp;&nbsp;305039583 | &nbsp;&nbsp;305030464 | &nbsp;&nbsp;305030278 |
| &nbsp;&nbsp;305085897 | &nbsp;&nbsp;305071214 | &nbsp;&nbsp;305096816 | &nbsp;&nbsp;305039582 | &nbsp;&nbsp;304865735 | &nbsp;&nbsp;305030272 |
| &nbsp;&nbsp;305085896 | &nbsp;&nbsp;305076212 | &nbsp;&nbsp;305060648 | &nbsp;&nbsp;304866480 | &nbsp;&nbsp;305039557 | &nbsp;&nbsp;305030263 |
| &nbsp;&nbsp;305085895 | &nbsp;&nbsp;305079789 | &nbsp;&nbsp;305064966 | &nbsp;&nbsp;305030497 | &nbsp;&nbsp;304865718 | &nbsp;&nbsp;305039529 |
| &nbsp;&nbsp;305057709 | &nbsp;&nbsp;305074530 | &nbsp;&nbsp;305073507 | &nbsp;&nbsp;305039581 | &nbsp;&nbsp;305030461 | &nbsp;&nbsp;305030147 |
| &nbsp;&nbsp;305054927 | &nbsp;&nbsp;305085983 | &nbsp;&nbsp;305063350 | &nbsp;&nbsp;305032470 | &nbsp;&nbsp;305032465 | &nbsp;&nbsp;305039528 |
| &nbsp;&nbsp;305052642 | &nbsp;&nbsp;305074528 | &nbsp;&nbsp;305065473 | &nbsp;&nbsp;304866451 | &nbsp;&nbsp;305039556 | &nbsp;&nbsp;305030044 |
| &nbsp;&nbsp;305054990 | &nbsp;&nbsp;305082985 | &nbsp;&nbsp;305069075 | &nbsp;&nbsp;305030495 | &nbsp;&nbsp;305039555 | &nbsp;&nbsp;305039527 |
| &nbsp;&nbsp;305073584 | &nbsp;&nbsp;305082984 | &nbsp;&nbsp;305073573 | &nbsp;&nbsp;305039579 | &nbsp;&nbsp;304865668 | &nbsp;&nbsp;305039526 |
| &nbsp;&nbsp;305057708 | &nbsp;&nbsp;305077114 | &nbsp;&nbsp;305078458 | &nbsp;&nbsp;305039578 | &nbsp;&nbsp;304865660 | &nbsp;&nbsp;305039525 |
| &nbsp;&nbsp;305088402 | &nbsp;&nbsp;305077113 | &nbsp;&nbsp;305078891 | &nbsp;&nbsp;305030493 | &nbsp;&nbsp;305030457 | &nbsp;&nbsp;304865503 |
| &nbsp;&nbsp;305069975 | &nbsp;&nbsp;305077112 | &nbsp;&nbsp;305069550 | &nbsp;&nbsp;305039577 | &nbsp;&nbsp;305039554 | &nbsp;&nbsp;304865498 |

---

---

| | |
|:---|:---|
| Narrative | Page **21** of **22** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305057544 | &nbsp;&nbsp;305077108 | &nbsp;&nbsp;305079777 | &nbsp;&nbsp;305030490 | &nbsp;&nbsp;305039553 | &nbsp;&nbsp;304865480 |
| &nbsp;&nbsp;305077121 | &nbsp;&nbsp;305077107 | &nbsp;&nbsp;305069074 | &nbsp;&nbsp;305039576 | &nbsp;&nbsp;305030451 | &nbsp;&nbsp;305039524 |
| &nbsp;&nbsp;305078252 | &nbsp;&nbsp;305078464 | &nbsp;&nbsp;305094500 | &nbsp;&nbsp;304866417 | &nbsp;&nbsp;305039552 | &nbsp;&nbsp;305029948 |
| &nbsp;&nbsp;305056846 | &nbsp;&nbsp;305088579 | &nbsp;&nbsp;305088573 | &nbsp;&nbsp;305039575 | &nbsp;&nbsp;305039551 | &nbsp;&nbsp;305029946 |
| &nbsp;&nbsp;305085894 | &nbsp;&nbsp;305080623 | &nbsp;&nbsp;305100557 | &nbsp;&nbsp;304866414 | &nbsp;&nbsp;305039550 | &nbsp;&nbsp;305029945 |
| &nbsp;&nbsp;305059702 | &nbsp;&nbsp;305084670 | &nbsp;&nbsp;305087673 | &nbsp;&nbsp;304866412 | &nbsp;&nbsp;304865547 | &nbsp;&nbsp;305029944 |
| &nbsp;&nbsp;305059726 | &nbsp;&nbsp;305086719 | &nbsp;&nbsp;305086706 | &nbsp;&nbsp;304866410 | &nbsp;&nbsp;305030438 | &nbsp;&nbsp;305039523 |
| &nbsp;&nbsp;305078934 | &nbsp;&nbsp;305079313 | &nbsp;&nbsp;305078929 | &nbsp;&nbsp;305039574 | &nbsp;&nbsp;305039549 | &nbsp;&nbsp;305039522 |
| &nbsp;&nbsp;305063736 | &nbsp;&nbsp;305096822 | &nbsp;&nbsp;305079222 | &nbsp;&nbsp;304866402 | &nbsp;&nbsp;305039548 | &nbsp;&nbsp;305029941 |
| &nbsp;&nbsp;305078693 | &nbsp;&nbsp;305094577 | &nbsp;&nbsp;305079221 | &nbsp;&nbsp;305039573 | &nbsp;&nbsp;305032464 | &nbsp;&nbsp;305029940 |
| &nbsp;&nbsp;305056356 | &nbsp;&nbsp;305080615 | &nbsp;&nbsp;305094499 | &nbsp;&nbsp;305039572 | &nbsp;&nbsp;305030428 | &nbsp;&nbsp;305039521 |
| &nbsp;&nbsp;305071579 | &nbsp;&nbsp;305086718 | &nbsp;&nbsp;305079776 | &nbsp;&nbsp;305030487 | &nbsp;&nbsp;305030426 | &nbsp;&nbsp;305029932 |
| &nbsp;&nbsp;305066773 | &nbsp;&nbsp;305071572 | &nbsp;&nbsp;305073501 | &nbsp;&nbsp;305039571 | &nbsp;&nbsp;305039547 | &nbsp;&nbsp;305042026 |
| &nbsp;&nbsp;305078692 | &nbsp;&nbsp;305094986 | &nbsp;&nbsp;305083270 | &nbsp;&nbsp;305032469 | &nbsp;&nbsp;305039546 | &nbsp;&nbsp;305070990 |
| &nbsp;&nbsp;305091913 | &nbsp;&nbsp;305088220 | &nbsp;&nbsp;305098364 | &nbsp;&nbsp;304866336 | &nbsp;&nbsp;305039545 | &nbsp;&nbsp;305044937 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

---

| | |
|:---|:---|
| Narrative | Page **22** of **22** |

---

## Exhibit 99.38

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.38**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 305049366 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305049366 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 785 | 0 | Audit value based on lender qualifying requirements. |
| 305063774 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305029597 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305029597 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 304911027 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305053763 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 305053763 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304826854 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 304826854 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value. |
| 304909048 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305076771 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 304905200 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Borrower 1 Last Name updated from Note |
| 304905200 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 305077123 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029240 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 0 | Audit value based on lender qualifying requirements. |
| 305029270 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305057553 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305057552 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305070546 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305077122 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305077122 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 681 | 671 | Audit value based on lender qualifying requirements. |
| 305030627 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305053490 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305096904 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305096807 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 document. |
| 305096806 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file |
| 305037873 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305088228 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305061193 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305044594 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085899 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305085897 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085896 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled from 1008. |
| 305085895 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 document. |
| 305057709 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305052642 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305054990 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305073584 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305073584 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Property Address | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305057708 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305088402 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305069975 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305057544 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305077121 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078252 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305056846 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085894 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305059702 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305059702 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 702 | 707 | Audit value based on lender qualifying requirements. |
| 305078934 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305078934 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 69.39 | 69.38 | Rounding |
| 305078934 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 69.39 | 69.38 | Rounding |
| 305063736 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305078693 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Loan documents.<br>|
| 305078693 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 745 | 738 | Audit value based on lender qualifying requirements. |
| 305056356 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305071579 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file |
| 305066773 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078692 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078692 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 68.63 | 68.62 | Rounding |
| 305078692 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 68.63 | 68.62 | Rounding |
| 305091913 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305057850 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305077180 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305099164 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305064746 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305061184 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305082993 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305082993 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 689 | 674 | Audit value based on lender qualifying requirements. |
| 305078465 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305069090 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056351 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305069971 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305077117 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305077117 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 79.58 | 79.57 | Audit Value of Subject Lien / Qualifying Value |
| 305077117 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 79.58 | 79.57 | Audit Value of Subject Lien / Qualifying Value |
| 305076898 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 734 | 0 | Audit value based on lender qualifying requirements. |
| 305078906 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305078906 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 16.13 | 16.12 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305078906 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 16.13 | 16.12 | Audit Value of Subject Lien / Qualifying Value |
| 305075888 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled from 1008. |
| 305088580 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305089729 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305067109 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305080629 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305083348 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305083347 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Per Note and ID. |
| 305083347 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305082990 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305083346 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Per Note and ID. |
| 305083346 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305067637 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078904 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305069139 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305079860 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078245 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305082988 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305084672 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note |
| 305084672 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305071214 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305076212 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305079789 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305074530 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085983 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305074528 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305082985 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305082984 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305077113 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305077112 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305077108 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305077107 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305078464 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305078464 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305088579 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305080623 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305084670 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305086719 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305079313 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305096822 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305094577 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305080615 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305086718 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305071572 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Per Note and ID. |
| 305071572 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled from 1008. |
| 305094986 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305088220 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085977 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled from documents located in the file. |
| 305087053 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305087053 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 702 | 704 | Audit value based on lender qualifying requirements. |
| 305091911 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305091911 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 66.13 | 66.12 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305091911 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 66.13 | 66.12 | Audit Value of 1st lien / Qualifying Value |
| 305096820 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305027513 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027513 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305029230 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069080 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305065862 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069723 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305058325 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305042038 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305060823 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note |
| 305060823 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305056347 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305060801 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305061538 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305061538 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Occupancy | the1003Page | Investment | Primary Residence | Audit Value Pulled From Final 1003. |
| 305061537 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305060658 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305066750 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305076266 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305053415 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305057524 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069077 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305057521 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305088391 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305087675 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085974 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 document. |
| 305077103 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305069721 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305096816 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305096816 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305060648 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305064966 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305073507 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305063350 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305065473 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069075 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit value pulled from Note. |
| 305069075 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305073573 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305078458 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value updated from 1008.<br>|
| 305078891 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305069550 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305079777 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069074 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305094500 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305088573 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305087673 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305086706 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305086706 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305078929 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305079222 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305079222 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 791 | 804 | Audit value based on lender qualifying requirements. |
| 305079221 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305079221 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 791 | 804 | Audit value based on lender qualifying requirements. |
| 305094499 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit value pulled from documents located in the loan file. |
| 305094499 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305079776 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305073501 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 document. |
| 305083270 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305098364 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305098364 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Occupancy | the1003Page | Investment | Primary Residence | Audit Value Pulled From Final 1003. |
| 305083343 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305088571 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305076201 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit value pulled from Note |
| 305076201 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085971 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 document. |
| 305089883 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305069722 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305069722 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 695 | 675 | Audit value based on lender qualifying requirements. |
| 305077681 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305091031 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305085970 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305094924 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305088570 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305079300 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305094571 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305079853 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305085968 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305087048 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305046133 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305046133 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 779 | 0 | Audit value based on lender qualifying requirements. |
| 305026172 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding. |
| 305026172 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding. |
| 305025996 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.97 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305025996 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.97 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305060983 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305061517 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305039621 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305033650 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305028985 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305034638 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Note. |
| 305061713 | XXXXXXX | XXXXX | XXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032472 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039585 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039585 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 651 | 0 | Audit value based on lender qualifying requirements. |
| 304866530 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 304866530 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 82.81 | 82.8 | Rounding |
| 304866530 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 82.81 | 82.8 | Rounding |
| 304866503 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039584 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 717 | 0 | Audit value based on lender qualifying requirements. |
| 305039583 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 714 | 0 | Audit value based on lender qualifying requirements. |
| 305039582 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 732 | 0 | Audit value based on lender qualifying requirements. |
| 304866480 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030497 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039581 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 762 | 0 | Audit value based on lender qualifying requirements. |
| 305032470 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 304866451 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030495 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030495 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Number of Units | propertyValuationPage | 3 | 2 | Audit Value Pulled From Appraisal. |
| 305039578 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039578 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039578 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 721 | 0 | Audit value based on lender qualifying requirements. |
| 305030493 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305039577 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039577 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 767 | 0 | Audit value based on lender qualifying requirements. |
| 305030490 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039576 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 723 | 0 | Audit value based on lender qualifying requirements. |
| 304866417 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039575 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039575 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 708 | 0 | Audit value based on lender qualifying requirements. |
| 304866414 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866414 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Audit value based on lender qualifying requirements. |
| 304866412 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866410 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039574 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 700 | 0 | Audit value based on lender qualifying requirements. |
| 304866402 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039573 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 731 | 0 | Audit value based on lender qualifying requirements. |
| 305039572 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Audit value based on lender qualifying requirements. |
| 305030487 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying CLTV | propertyValuationPage | 79.79 | 79.78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030487 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 702 | 712 | Audit value based on lender qualifying requirements. |
| 305030487 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying LTV | propertyValuationPage | 79.79 | 79.78 | Rounding |
| 305039571 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 684 | 0 | Audit value based on lender qualifying requirements. |
| 305032469 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866336 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305039570 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039570 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 705 | 0 | Audit value based on lender qualifying requirements.<br>|
| 305030484 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866248 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039569 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 723 | 0 | Audit value based on lender qualifying requirements. |
| 304866235 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note |
| 304866235 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030481 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030481 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 71.43 | 71.42 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030481 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 778 | 779 | Audit value based on lender qualifying requirements. |
| 305030481 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 71.43 | 71.42 | Audit Value of Subject Lien / Qualifying Value |
| 304866173 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305039568 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 305039568 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 784 | 0 | Audit value based on lender qualifying requirements. |
| 304866114 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866101 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304866083 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039567 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 758 | 0 | Audit value based on lender qualifying requirements. |
| 304866074 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 304866063 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Loan Document in file |
| 304866063 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039566 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039566 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 695 | 0 | Audit value based on lender qualifying requirements. |
| 304865971 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305039565 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 753 | 0 | Audit value based on lender qualifying requirements. |
| 305039564 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Audit value based on lender qualifying requirements. |
| 304865924 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304865924 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 71.79 | 71.78 | Qualifying Value |
| 304865924 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 71.79 | 71.78 | Audit Value of Subject Lien / Qualifying Value |
| 305039563 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039563 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 711 | 0 | Audit value based on lender qualifying requirements. |
| 305039562 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039562 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 658 | 0 | Audit value based on lender qualifying requirements. |
| 305030467 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030467 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 656 | 658 | Audit value based on lender qualifying requirements. |
| 304865844 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 304865844 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 304865843 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305039561 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 764 | 0 | Audit value based on lender qualifying requirements. |
| 305039559 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit Value Pulled From Final 1003. |
| 305039559 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 673 | 0 | Audit value based on lender qualifying requirements. |
| 305039558 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 664 | 0 | Audit value based on lender qualifying requirements. |
| 304865757 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 304865757 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 54 | 53.99 | Rounding |
| 304865757 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 54 | 53.99 | Rounding |
| 305030464 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304865735 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 304865735 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 741 | 754 | Audit value based on lender qualifying requirements. |
| 305039557 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 667 | 0 | Audit value based on lender qualifying requirements. |
| 304865718 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032465 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305039555 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit value based on lender qualifying requirements. |
| 304865668 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 304865668 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 677 | 751 | Audit value based on lender qualifying requirements. |
| 305030457 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030457 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 69.84 | 69.83 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030457 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 69.84 | 69.83 | Audit Value of Subject Lien / Qualifying Value |
| 305039554 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 768 | 0 | Audit value based on lender qualifying requirements. |
| 305039553 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 773 | 0 | Audit value based on lender qualifying requirements. |
| 305030451 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030451 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 57.34 | 57.33 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030451 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 57.34 | 57.33 | Audit Value of Subject Lien / Qualifying Value |
| 305039552 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 712 | 0 | Audit value based on lender qualifying requirements. |
| 305039551 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039551 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 685 | 0 | Audit value based on lender qualifying requirements. |
| 305039550 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit Value Pulled From Final 1003. |
| 305039550 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 702 | 0 | Audit value based on lender qualifying requirements. |
| 304865547 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030438 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305039549 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 747 | 0 | Audit value based on lender qualifying requirements. |
| 305039548 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit Value based on documentation in the loan file. |
| 305039548 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit Value based on documentation in the loan file. |
| 305039548 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 645 | 0 | Audit value based on lender qualifying requirements. |
| 305032464 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030428 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030426 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305039546 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 740 | 0 | Audit value based on lender qualifying requirements. |
| 305039545 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 713 | 0 | Audit value based on lender qualifying requirements. |
| 304868677 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Purpose | the1003Page | Purchase | Refinance | Audit Value Pulled From Final 1003. |
| 304868677 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304868677 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Number of Units | propertyValuationPage | 1 | 7 | Audit Value Pulled From Appraisal. |
| 304868675 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039544 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 719 | 0 | Audit value based on lender qualifying requirements. |
| 305030410 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039543 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 727 | 0 | Audit value based on lender qualifying requirements. |
| 305039542 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 734 | 0 | Audit value based on lender qualifying requirements. |
| 305030401 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030401 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Number of Units | propertyValuationPage | 4 | 6 | Audit Value Pulled From Appraisal. |
| 305039541 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 789 | 0 | Audit value based on lender qualifying requirements. |
| 305030398 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305030398 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305039540 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039540 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 778 | 0 | Audit value based on lender qualifying requirements. |
| 305030395 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030391 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Interest Only Flag | notePage | Yes | No | Audit value pulled from Note |
| 305030391 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030391 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Number of Units | propertyValuationPage | 8 | 1 | Audit Value Pulled From Appraisal. |
| 305039539 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 695 | 0 | Audit value based on lender qualifying requirements. |
| 305030382 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039538 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 801 | 0 | Audit value based on lender qualifying requirements. |
| 305039537 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 752 | 0 | Audit value based on lender qualifying requirements. |
| 305039536 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039536 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 683 | 0 | Audit value based on lender qualifying requirements. |
| 305039535 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 756 | 0 | Audit value based on lender qualifying requirements. |
| 305039534 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 807 | 0 | Audit value based on lender qualifying requirements. |
| 305039533 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Audit value based on lender qualifying requirements. |
| 305032462 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032462 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 68.97 | 68.96 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305032462 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 68.97 | 68.96 | Audit Value of Subject Lien / Qualifying Value |
| 305039532 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value based on lender qualifying requirements. |
| 305039532 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 305039532 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit value based on lender qualifying requirements. |
| 305030336 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039531 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 758 | 0 | Audit value based on lender qualifying requirements. |
| 305039530 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Audit value based on lender qualifying requirements. |
| 305030291 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030263 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030263 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Number of Units | propertyValuationPage | 6 | 5 | Audit Value Pulled From Appraisal. |
| 305039529 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 648 | 0 | Audit value based on lender qualifying requirements. |
| 305030147 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039528 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Audit value based on lender qualifying requirements. |
| 305030044 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305030044 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Appraisal. |
| 305039527 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit Value Pulled From Final 1003. |
| 305039527 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 761 | 0 | Audit value based on lender qualifying requirements. |
| 305039526 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 765 | 0 | Audit value based on lender qualifying requirements. |
| 305039525 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 684 | 0 | Audit value based on lender qualifying requirements. |
| 304865503 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 764 | 0 | Audit value based on lender qualifying requirements. |
| 304865480 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305039524 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305039524 | XXXXXXX | XXXXX | XXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 646 | 0 | Audit value based on lender qualifying requirements. |
| 305029948 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305029948 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 818 | 0 | Audit value based on lender qualifying requirements. |
| 305029946 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Other | Audit value based on documents located in the loan file. |
| 305029946 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 796 | 0 | Audit value based on lender qualifying requirements. |
| 305029945 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029945 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXX | $XXXXX | Audit Value Pulled From Appraisal.. |
| 305029944 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029944 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 800 | 0 | Audit value based on lender qualifying requirements. |
| 305039523 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 671 | 0 | Audit value based on lender qualifying requirements. |
| 305039522 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 715 | 0 | Audit value based on lender qualifying requirements. |
| 305029941 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029941 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 731 | 0 | Audit value based on lender qualifying requirements. |
| 305029940 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Other | Audit Value Pulled From 1008. |
| 305029940 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 759 | 0 | Audit value based on lender qualifying requirements. |
| 305039521 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 740 | 0 | Audit value based on lender qualifying requirements. |
| 305029932 | XXXXXXX | XXXXX | XXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305070990 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305070990 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305044937 | XXXXXXX | XXXXX | XXXXXX | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 768 | 0 | Audit value based on lender qualifying requirements. |

---

## Exhibit 99.39

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Seller Name** | **Seller 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** |
| 304905200 | XXXXX | XXXXXX | XXXXX | 2026-01-21 13:41 | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Waived-Client has downgraded Finding as servicer is required to ensure adequate coverage is in effect after expiration. - Due Diligence Vendor-05/27/2026 <br> Open-Master Policy Expiration Date of XX/XX/XXXX is Prior To the Transaction Date of XX/XX/XXXX Master Policy expiring before disbursement date XX/XX/XXXX - Due Diligence Vendor-01/21/2026 |  | Waived-Client has downgraded Finding as servicer is required to ensure adequate coverage is in effect after expiration. - Due Diligence Vendor-05/27/2026<br>|  | Waived | 2026-05-27 14:23 | Investor Post-Close B |
| 305032472 | XXXXX | XXXXXX | XXXXX | 2026-02-06 09:58 | Credit | Missing Doc | Missing Originator DSCR Doc Source | Resolved-Originator DSCR Source doc received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-DSCR calc - Due Diligence Vendor-02/12/2026 <br>Open-Missing Originator DSCR Doc Source. Missing Originator DSCR Doc Source<br> - Due Diligence Vendor-02/06/2026 |  | Resolved-Originator DSCR Source doc received, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-17 16:47 | N/A D |
| 305032472 | XXXXX | XXXXXX | XXXXX | 2026-02-06 09:57 | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock was received, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please see attached the XX/XX/XXXX and the XX/XX/XXXX rate lock confirmations - Due Diligence Vendor-02/11/2026 <br> Open-Missing evidence of rate lock<br> - Due Diligence Vendor-02/06/2026 |  | Resolved-Evidence of rate lock was received, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-17 16:36 | N/A D |
| 305039585 | XXXXX | XXXXXX | XXXXX | 2026-02-03 07:45 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Client acknowledges and downgrades purchase criteria overlay. - Due Diligence Vendor-03/11/2026 <br>Counter-Per Client Overlays, min FICO is 660, which is 651 is less than Overlay requirements, finding remains - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Per our matrix, min fico is 640 - Due Diligence Vendor-02/12/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit score does not meet client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Client acknowledges and downgrades purchase criteria overlay. - Due Diligence Vendor-03/11/2026<br>|  | Resolved | 2026-05-21 11:08 | N/A C |
| 305039585 | XXXXX | XXXXXX | XXXXX | 2026-02-03 07:44 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Counter-Per Client Overlays, min FICO is 660, which is 651 is less than Overlay requirements, finding remains - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Per our matrix, min fico is 640 - Due Diligence Vendor-02/12/2026 <br>Open-Audited FICO of 651 is less than Guideline FICO of 660 allowed by client overlays. Credit score of 651 is less than 660, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:44 | Investor Post-Close B |
| 304866530 | XXXXX | XXXXXX | XXXXX | 2026-02-17 14:02 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 82.81% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a Rate/Term Refinance. However, the current LTV of the subject is 82.81%. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:11 | Investor Post-Close B |
| 304866503 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039584 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039583 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039582 | XXXXX | XXXXXX | XXXXX | 2026-02-06 13:41 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language included in the Mortgage document, finding resolved. - Due Diligence Vendor-05/27/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-05/21/2026 <br>Resolved-PUD Rider language included in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – Missing PUD Rider - Due Diligence Vendor-02/06/2026 |  | Resolved-PUD Rider language included in the Mortgage document, finding resolved. - Due Diligence Vendor-05/27/2026 <br>Resolved-PUD Rider language included in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-05-27 14:12 | N/A D |
| 304866480 | XXXXX | XXXXXX | XXXXX | 2026-02-09 16:25 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% 85% LTV exceeds the maximum LTV of 80% per client overlay for a Rate-Term Refinance. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:10 | Investor Post-Close B |
| 304866480 | XXXXX | XXXXXX | XXXXX | 2026-02-09 16:25 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026 <br>Open-Audited HLTV of 85% exceeds Guideline HCLTV of 80% Audited HLTV of 85% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:09 | Investor Post-Close B |
| 304866480 | XXXXX | XXXXXX | XXXXX | 2026-02-09 16:25 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% 85% CLTV exceeds the maximum CLTV of 80% per client overlay for a Rate-Term Refinance. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Findings - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:09 | Investor Post-Close B |
| 305030497 | XXXXX | XXXXXX | XXXXX | 2026-02-06 04:52 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br> Open-Audited LTV of 73.84% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated for exception to allow 75% LTV at 677 FICO. Client overlay indicates a 700 FICO required for 75% LTV. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| 1) >= 4 months Addi'll Reserves and <= $XXXX: Verified<br> 2) No Credit Lates in >= 24 months: Verified<br> 3) CDFI: Verified | Waived | 2026-02-14 20:08 | Investor Post-Close B |
| 305030497 | XXXXX | XXXXXX | XXXXX | 2026-02-09 11:43 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client approved exception to purchase criteria. Fico within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited FICO of 677 is less than Guideline FICO of 700 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated for exception to allow 75% LTV at 677 FICO. Client overlay indicates a 700 FICO required for 75% LTV. - Due Diligence Vendor-02/09/2026 |  | Waived-Client approved exception to purchase criteria. Fico within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| 1) >= 4 months Addi'll Reserves and <= $XXXX: Verified<br> 2) No Credit Lates in >= 24 months: Verified<br> 3) CDFI: Verified | Waived | 2026-02-14 20:06 | Investor Post-Close B |
| 305030497 | XXXXX | XXXXXX | XXXXX | 2026-02-06 04:52 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Audited CLTV of 73.84% exceeds Guideline CLTV of 70% However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated<br> - Due Diligence Vendor-02/06/2026 |  | Acknowledged-Audited CLTV of 73.84% exceeds Guideline CLTV of 70% However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated<br> - Due Diligence Vendor-02/06/2026<br>| 1) >= 4 months Addi'll Reserves and <= $XXXX: Verified<br> 2) No Credit Lates in >= 24 months: Verified<br> 3) CDFI: Verified<br>| Acknowledged | 2026-02-06 04:52 | Originator Pre-Close A |
| 305030497 | XXXXX | XXXXXX | XXXXX | 2026-02-06 04:52 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Audited HLTV of 73.84% exceeds Guideline HCLTV of 70% However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated<br> - Due Diligence Vendor-02/06/2026 |  | Acknowledged-Audited HLTV of 73.84% exceeds Guideline HCLTV of 70% However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated<br> - Due Diligence Vendor-02/06/2026<br>| 1) >= 4 months Addi'll Reserves and <= $XXXX: Verified<br> 2) No Credit Lates in >= 24 months: Verified<br> 3) CDFI: Verified | Acknowledged | 2026-02-06 04:52 | Originator Pre-Close A |
| 305039581 | XXXXX | XXXXXX | XXXXX | 2026-02-23 10:17 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Open-Audited DSCR of 0.923 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.923 is below client overlay minimum of 1.00. the lender failed to include the monthly HOA. - Due Diligence Vendor-02/23/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:42 | Investor Post-Close B |
| 305039581 | XXXXX | XXXXXX | XXXXX | 2026-02-18 13:28 | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Rider is embedded in Mortgage document, finding resolved. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/26/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/18/2026 |  | Resolved-Rider is embedded in Mortgage document, finding resolved. - Due Diligence Vendor-02/27/2026<br>|  | Resolved | 2026-02-27 07:21 | N/A D |
| 305032470 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866451 | XXXXX | XXXXXX | XXXXX | 2026-02-13 12:07 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached. Regarding the second finding: Open-Housing History Does Not Meet Guideline Requirements , as per guideline for free and clear properties property profile report or proof of property taxes are paid current for the most recent property tax year is required, however property profile report or tax paid proof were not provided: Property tax documentation is attached and detailed within the exception for reference. - Due Diligence Vendor-03/12/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. According to lender guidelines the VOR/ VOM verification needs to reflect a pay history up to the month the loan is closing. Missing verification for August 2025 for the subject VOM. - Due Diligence Vendor-02/13/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>| 11.10 months reserves, 1.74% DSCR, experienced investor | Waived | 2026-03-12 14:15 | Investor Post-Close B |
| 305030495 | XXXXX | XXXXXX | XXXXX | 2026-02-17 13:52 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines require a maximum LTV of 80% for a purchase transaction. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:27 | Investor Post-Close B |
| 305039579 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039578 | XXXXX | XXXXXX | XXXXX | 2026-02-02 07:50 | Credit | Closing | Borrower 2 Non-US Document Identification is expired | Resolved-Borrower 2 Non-US identity document I-797C was provided. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Per guidelines if Borrowers primary ID is expired the UW is permitted to use the I-797 which was provided for evidence of status. Please see attached guidelines - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Lender provided I-797, which is dated XX/XX/XXXX, the Borrower 2 Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. We need proof after XX/XX/XXXX expiration date to show it got renew. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached as I-797 is permissible per guidelines to verify borrowers' status as proof of renewal - Due Diligence Vendor-02/11/2026 <br> Open-Borrower 2 Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/02/2026 |  | Resolved-Borrower 2 Non-US identity document I-797C was provided. - Due Diligence Vendor-02/23/2026<br>|  | Resolved | 2026-02-23 14:37 | N/A C |
| 305039578 | XXXXX | XXXXXX | XXXXX | 2026-02-02 12:55 | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/02/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/02/2026<br>|  | Waived | 2026-02-02 12:55 | Originator Pre-Close B |
| 305030493 | XXXXX | XXXXXX | XXXXX | 2026-02-17 12:55 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited DSCR of 0.685 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.685 is below the client overlay guideline minimum of 1. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:25 | Investor Post-Close B |
| 305039577 | XXXXX | XXXXXX | XXXXX | 2026-02-02 12:13 | Credit | Eligibility | DTI exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br> Counter-Per Client Overlays, DTI of 50% is acceptable only Audited DTI at 54% exceeds Overlay Guidelines, condition remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-per matrix, 55% with $X,XXX.XX Residual Income - Due Diligence Vendor-02/12/2026 <br> Open-Audited DTI of 54% exceeds Guideline DTI of 50% allowed by client overlays. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:41 | Investor Post-Close B |
| 305030490 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039576 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866417 | XXXXX | XXXXXX | XXXXX | 2026-02-09 13:48 | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/09/2026 |  | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 11:11 | N/A D |
| 305039575 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:44 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br> Acknowledged-Client Approved Exception in file. - Due Diligence Vendor-03/10/2026 <br> Escalated-Escalated to Opus management for review. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Please see attached documents - Due Diligence Vendor-02/23/2026 <br> Counter-Exception received however it is not valid due DTI@35.513 vs Audit 43.72, reserves at 24 vs Audit 21.75, and Residual income at XXXXX.XX vs XXXX.XX. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-02/11/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements XX/XXXX XXXXXXXX XXXX statement is missing in file, and Income has been qualified using 24 months business bank statement. - Due Diligence Vendor-02/02/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Client Approved Exception in file. - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-05-21 11:11 | N/A C |
| 305039575 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:43 | Credit | Missing Doc | Required Documentation is Missing | Waived-Income was re-calculated without the XX/XXXX deposits but averaged over 24 months, exception provided for missing bank statement. Lender provided approved exception dated post consummation all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Exception/Bank Statements Analysis/Income/Debt Analysis Uploaded - Due Diligence Vendor-03/11/2026 <br> Open-XX/XXXX XXXXXXXX XXXX statement is missing in file, and Income has been qualified using 24 months business bank statement. - Due Diligence Vendor-02/02/2026 |  | Waived-Income was re-calculated without the XX/XXXX deposits but averaged over 24 months, exception provided for missing bank statement. Lender provided approved exception dated post consummation all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 | Reserves of 27+ months from cash-out proceeds from subject transaction.<br> Residual income of $XXXX+<br> DTI of 36.77%<br> Self-employed for 5+ years and in same profession since XXXX | Waived | 2026-03-12 15:54 | Originator Post-Close D B |
| 304866414 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866412 | XXXXX | XXXXXX | XXXXX | 2026-06-04 10:27 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Acknowledged-Debt Service Coverage Ratio of 0.45 is below client overlay minimum of 1.0 - Due Diligence Vendor-06/04/2026 |  | Acknowledged-Debt Service Coverage Ratio of 0.45 is below client overlay minimum of 1.0 - Due Diligence Vendor-06/04/2026<br>|  | Acknowledged | 2026-06-04 10:27 | Originator Pre-Close B |
| 304866410 | XXXXX | XXXXXX | XXXXX | 2026-02-14 21:37 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a purchase transaction. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:07 | Investor Post-Close B |
| 304866410 | XXXXX | XXXXXX | XXXXX | 2026-02-14 21:37 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:07 | Investor Post-Close B |
| 304866410 | XXXXX | XXXXXX | XXXXX | 2026-02-14 21:37 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:06 | Investor Post-Close B |
| 305039574 | XXXXX | XXXXXX | XXXXX | 2026-05-21 14:41 | 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-05/21/2026 |  | 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-05/21/2026<br>|  | Acknowledged | 2026-05-21 14:41 | Investor Post-Close B A |
| 305039574 | XXXXX | XXXXXX | XXXXX | 2026-02-03 08:16 | Property | Value | Missing Valuation Review Product - 1 | Resolved-Appraisal review product received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/13/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. CDA has no appraisal value, A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. A field review is missing. - Due Diligence Vendor-02/03/2026 |  | Resolved-Appraisal review product received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/18/2026<br>| 1) >= 4 months Additional Reserves and <= $XXXX; <br> 2) DSCR Ratio > 1.15%. <br> 3) > 5 Yrs Investor Experience | Resolved | 2026-02-18 16:17 | N/A C |
| 304866402 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039573 | XXXXX | XXXXXX | XXXXX | 2026-02-04 08:35 | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached lock confirmation - Due Diligence Vendor-02/11/2026 <br>Open-Missing evidence of rate lock<br> - Due Diligence Vendor-02/04/2026 |  | Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-17 16:29 | N/A D |
| 305039573 | XXXXX | XXXXXX | XXXXX | 2026-02-04 08:06 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard insurance with valid effective date was provided, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-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 - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please see attached HOI policy with an effective start date of XX/XX/XXXX HAZARD INSURANCE SUBJECT PROPERTY - Due Diligence Vendor-02/11/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/04/2026 |  | Resolved-Hazard insurance with valid effective date was provided, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-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 - Due Diligence Vendor-02/17/2026 |  | Resolved | 2026-02-17 16:28 | N/A C |
| 305039572 | XXXXX | XXXXXX | XXXXX | 2026-02-12 13:26 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received updated VOR dated XX/XX/XXXX reflecting no late payments, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-VOR was in file for primary residence at XXXX XXXX XX, XXXXXXXX, XX dated XX/XX/XXXX and as of that date no late payments - attached for reference. - Due Diligence Vendor-03/12/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. According to lender guidelines the VOR/ VOM verification needs to reflect a pay history up to the month the loan is closing. Missing verification for XX/XXXX for the VOR. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received updated VOR dated XX/XX/XXXX reflecting no late payments, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/12/2026 |  | Resolved | 2026-03-12 13:57 | N/A C |
| 305030487 | XXXXX | XXXXXX | XXXXX | 2026-01-27 13:21 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/27/2026 |  | Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| 702 FICO > 680 min<br> 45% DTI < 50% max | Waived | 2026-02-14 20:19 | Investor Post-Close B |
| 305039571 | XXXXX | XXXXXX | XXXXX | 2026-02-03 11:44 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client approved exception to purchase criteria. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited FICO of 684 is less than Guideline FICO of 700. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. However, 684 FICO does not meet client purchase criteria. - Due Diligence Vendor-02/15/2026 |  | Waived-Client approved exception to purchase criteria. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| DSCR > 1.15<br> 35 months reserves | Waived | 2026-02-14 20:50 | Investor Post-Close B |
| 305032469 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866336 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039570 | XXXXX | XXXXXX | XXXXX | 2026-02-05 18:16 | Credit | Eligibility | LTV exceeds client overlay guidelines | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 75%. However, the current LTV of the subject is 80%. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-02-15 15:28 | Investor Post-Close B |
| 305039570 | XXXXX | XXXXXX | XXXXX | 2026-02-05 18:16 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited HCLTV of 80% exceeds guideline HCLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 75%. However, the current HCLTV of the subject is 80%. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-02-15 15:27 | Investor Post-Close B |
| 305039570 | XXXXX | XXXXXX | XXXXX | 2026-02-05 18:16 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited CLTV of 80% exceeds guideline CLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 75%. However, the current CLTV of the subject is 80%. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-02-15 15:27 | Investor Post-Close B |
| 305039570 | XXXXX | XXXXXX | XXXXX | 2026-02-02 16:53 | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-02/02/2026 |  |  |  | Acknowledged | 2026-02-05 13:00 | Investor Post-Close B |
| 305039570 | XXXXX | XXXXXX | XXXXX | 2026-02-05 13:00 | 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-02/05/2026 |  | 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-02/05/2026<br>|  | Acknowledged | 2026-02-05 13:00 | Investor Post-Close B A |
| 305030484 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866248 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039569 | XXXXX | XXXXXX | XXXXX | 2026-02-03 13:43 | Property | Value | Missing Valuation Review Product - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-02/28/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-CDA - Due Diligence Vendor-02/17/2026 <br>Ready for Review-2nd appraisal was provided. - Due Diligence Vendor-02/11/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/03/2026 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/28/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-27 18:23 | N/A C |
| 304866235 | XXXXX | XXXXXX | XXXXX | 2026-02-09 08:27 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property profile reflecting no liens and copy of tax bill showing taxes paid current, finding resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please see attached - property profile for borrowers' primary residence at XXX XXX XX, XXXXXX XX to evidence is free and clear of mortgage liens and property tax certificate for borrower's primary residence at XXX XXX XX, XXXXXX XX to evidence property taxes are paid current. - Due Diligence Vendor-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements , as per guideline for free and clear properties property profile report or proof of property taxes are paid current for the most recent property tax year is required, however property profile report or tax paid proof were not provided - Due Diligence Vendor-02/09/2026 |  | Resolved-Received property profile reflecting no liens and copy of tax bill showing taxes paid current, finding resolved. - Due Diligence Vendor-03/13/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2026<br>|  | Resolved | 2026-03-13 10:20 | N/A C |
| 305030481 | XXXXX | XXXXXX | XXXXX | 2026-02-15 18:01 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached along with documentation of borrower's ownership interest in XXXXXXXX XXXXXXXX XXX XXXXXXX XXX. - Due Diligence Vendor-03/12/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of borrower's ownership for business account used. - Due Diligence Vendor-02/16/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>| 778 FICO, 20.59 months in reserves, experienced investor | Waived | 2026-03-12 13:38 | Originator Post-Close B |
| 304866173 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039568 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866114 | XXXXX | XXXXXX | XXXXX | 2026-02-10 05:45 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/18/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/10/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 09:49 | N/A D |
| 304866101 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866083 | XXXXX | XXXXXX | XXXXX | 2026-02-09 13:39 | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff statement received, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Attached is the payoff demand. - Due Diligence Vendor-03/12/2026 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-02/09/2026 |  | Resolved-Payoff statement received, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 14:59 | N/A D |
| 305039567 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866074 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304866063 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305032467 | XXXXX | XXXXXX | XXXXX | 2026-03-02 05:53 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026<br>| 1. Residual income >$XXXX<br> 2. DTI >10% of max | Waived | 2026-03-03 08:26 | Originator Pre-Close B |
| 305032467 | XXXXX | XXXXXX | XXXXX | 2026-03-02 05:53 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026<br>| 1. Residual income $XX,XXX.XX<br> 2. DTI >10% of max | Waived | 2026-03-03 08:25 | Originator Pre-Close B |
| 305032467 | XXXXX | XXXXXX | XXXXX | 2026-03-02 05:53 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/03/2026<br>| 1. Residual income $XX,XXX.XX<br> 2. DTI >10% of max | Waived | 2026-03-03 08:25 | Originator Pre-Close B |
| 305039566 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:20 | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-03/10/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Please see attached exception - Due Diligence Vendor-02/23/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of insurance for REO 3b on final loan application. - Due Diligence Vendor-02/04/2026 |  | Resolved-. - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-03-10 12:56 | N/A C |
| 305039566 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:21 | Credit | Eligibility | Transaction Ineligible | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see revised exception. - Due Diligence Vendor-03/06/2026 <br> Counter-Received a Lender exception for missing insurance for REO3b. The exception did not address the issue of other income documentation in the file. Condition remains. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-02/20/2026 <br> Counter-The file should not contain other income verification. XXXX Transcripts, with income, are in the file. The transcripts also state that XXXX and XXXX returns were not filed. Condition remains. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Transcripts were only obtained to determine CDFI Eligibility - they were not used for Income qualifying purposes. <br>- Due Diligence Vendor-02/11/2026 <br> Open-The loan was approved under the Alternative/Profit & Loss Documentation. However, loan file contained tax transcripts. Alternative documentation loans cannot have other income documentation in file. Additionally, the transcripts indicate not returns were filed for XXXX/XXXX. - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026<br>| Reserves of 42+ months<br> Residual income of $XX,XXX+<br> Self-employed since XXXX | Waived | 2026-03-10 09:48 | Originator Post-Close B |
| 305039566 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:25 | Credit | Missing Doc | Missing Evidence of Insurance for REO | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Updated Exception - uploaded. - Due Diligence Vendor-03/10/2026 <br> Counter-Received Lender exception. Please correct the compensating factors to stated 42.28 months reserves instead of 42.98 and Residual income of $XX,XXX.XX instead of $XX,XXX.XX. Finding remains. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-02/23/2026 <br> Open-Missing Evidence of Insurance for property 3b on final application. The Lender qualified the loan with just property taxes. The Property Report reflects an existing structure on the property. Per loan notes, only taxes were included in the DTI because there is a commercial loan on it. The loan file did not contain documentation of the commercial loan and most commercial loans do not have escrow. - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026<br>| Reserves of 42+ months<br> Residual income of $XX,XXX+<br> Self-employed since XXXX | Waived | 2026-03-10 09:47 | Originator Post-Close D B |
| 305039566 | XXXXX | XXXXXX | XXXXX | 2026-02-02 15:12 | 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-02/02/2026 |  | 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-02/02/2026<br>|  | Acknowledged | 2026-02-04 10:28 | Investor Post-Close B A |
| 305039566 | XXXXX | XXXXXX | XXXXX | 2026-02-04 09:46 | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026<br>|  | Acknowledged | 2026-02-04 10:22 | Investor Post-Close B |
| 304865971 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039565 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039564 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865924 | XXXXX | XXXXXX | XXXXX | 2026-02-11 05:39 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute - Due Diligence Vendor-02/18/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/11/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 09:59 | N/A D |
| 305039563 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:10 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Client approved exception to purchase criteria. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited Reserves of 2.42 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Audited Reserves of 2.42 month(s) are less than Guideline Required Reserves of 6 month(s). A lender approved exception was in the loan file, dated prior to consummation, providing adequate comp factors. 2.42 months reserves do not meet Client purchase criteria of 6 months. Finding remains. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Client approved exception to purchase criteria. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Acknowledged | 2026-02-15 15:50 | Investor Post-Close B |
| 305039563 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:33 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Audited Reserves of 2.42 month(s) are less than Guideline Required Reserves of 6 month(s). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Audited Reserves of 2.42 month(s) are less than Guideline Required Reserves of 6 month(s). Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026<br>| 1. DTI is 10% or more under max allowed. <br> 2. Residual income over $X,XXX. <br> 3. S/E with current business for over 5 years. | Acknowledged | 2026-02-04 10:36 | Originator Pre-Close B |
| 305039563 | XXXXX | XXXXXX | XXXXX | 2026-02-04 09:46 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Total Qualified Assets for Reserves Post-Close of $XXXXX,XX is less than Total Required Reserve Amount of $XXXXX.XX Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026 | 1. DTI is 10% or more under max allowed. <br> 2. Residual income over $X,XXX. <br> 3. S/E with current business for over 5 years. | Acknowledged | 2026-02-04 10:17 | Originator Pre-Close B |
| 305039563 | XXXXX | XXXXXX | XXXXX | 2026-02-02 12:16 | 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-02/02/2026 |  | 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-02/02/2026<br>|  | Acknowledged | 2026-02-02 12:16 | Investor Post-Close B A |
| 305039562 | XXXXX | XXXXXX | XXXXX | 2026-02-03 10:40 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-DTI exceeds client overlay guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Update Exception uploaded. - Due Diligence Vendor-03/11/2026 <br> Counter-Lender provided approved exception dated post consummation, however, the lender compensating factors and loan information on the exception form is not correct. Please correct the reserves to state 29.5 months instead of 30.36. Also correct the loan info section residual income, reserves, and cash out should be $XX,XXX.XX. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-03/06/2026 <br> Counter-Per Client Overlays, DTI of 50% is acceptable and 50.42 exceeds Overlay Guidelines, finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review- Per matrix, 55% with $X,XXX Residual Income - Due Diligence Vendor-02/12/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient income. DTI exceeds client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Resolved-DTI exceeds client overlay guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 14:19 | N/A C |
| 305039562 | XXXXX | XXXXXX | XXXXX | 2026-02-03 10:39 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Credit score does not meet client overlay guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Updated Exception uploaded. - Due Diligence Vendor-03/11/2026 <br> Counter-Lender provided approved exception dated post consummation, however, the lender compensating factors and loan information on the exception form is not correct. Please correct the reserves to state 29.5 months instead of 30.36. Also correct the loan info section residual income, reserves, and cash out should be $XX,XXX.XX. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-03/06/2026 <br> Counter-Per Client overlays minimum FICO score is 660, which 658 is less than Overlay requirements, Finding remains - Due Diligence Vendor-02/13/2026 <br> Ready for Review-per matrix, min fico is 640 - Due Diligence Vendor-02/12/2026 <br> Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit score does not meet client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Resolved-Credit score does not meet client overlay guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 14:18 | N/A C |
| 305039562 | XXXXX | XXXXXX | XXXXX | 2026-02-03 10:19 | Credit | Eligibility | DTI exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledges and downgrades. - Due Diligence Vendor-03/12/2026 <br> Counter-Lender provided approved exception dated post consummation, however, the lender compensating factors and loan information on the exception form is not correct. Please correct the reserves to state 29.5 months instead of 30.36. Also correct the loan info section residual income, reserves, and cash out should be $XX,XXX.XX. - Due Diligence Vendor-03/10/2026 <br> Counter-Per Client Overlays, DTI of 50% is acceptable and 50.42 exceeds Overlay Guidelines, finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Per matrix, 55% with $X,XXX.XX Residual Income - Due Diligence Vendor-02/12/2026 <br> Open-Audited DTI of 50.43% exceeds Guideline DTI of 50% allowed by client overlays. Client lender overlay guidelines reflect a maximum DTI of 50%. The audited DTI is 50.42%. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledges and downgrades. - Due Diligence Vendor-03/12/2026<br>|  | Acknowledged | 2026-03-12 14:11 | Investor Post-Close B |
| 305039562 | XXXXX | XXXXXX | XXXXX | 2026-02-03 10:19 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledges and downgrades. <br> - Due Diligence Vendor-03/12/2026 <br> Counter-Lender provided approved exception dated post consummation, however, the lender compensating factors and loan information on the exception form is not correct. Please correct the reserves to state 29.5 months instead of 30.36. Also correct the loan info section residual income, reserves, and cash out should be $XX,XXX.XX. - Due Diligence Vendor-03/10/2026 <br> Counter-Per Client overlays minimum FICO score is 660, which 658 is less than Overlay requirements, Finding remains - Due Diligence Vendor-02/13/2026 <br> Ready for Review-per matrix, min fico is 640 - Due Diligence Vendor-02/12/2026 <br> Open-Audited FICO of 658 is less than Guideline FICO of 660 allowed by client overlays. Credit score of 658 is less than 660, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledges and downgrades. <br> - Due Diligence Vendor-03/12/2026<br>|  | Acknowledged | 2026-03-12 14:10 | Investor Post-Close B |
| 305039562 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:23 | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026<br>|  | Acknowledged | 2026-02-03 10:22 | Investor Post-Close B |
| 305032466 | XXXXX | XXXXXX | XXXXX | 2026-03-03 10:58 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. Note: ATR information is on the Exception Form at Additional Parameters section on page 3. - Due Diligence Vendor-03/13/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) DTI exceeds client overlay guidelines. 2) Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-03/03/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026<br>|  | Resolved | 2026-05-21 11:13 | N/A C |
| 305032466 | XXXXX | XXXXXX | XXXXX | 2026-03-03 10:57 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. Note: ATR information is on the Exception Form at Additional Parameters section on page 3. - Due Diligence Vendor-03/13/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit deos not meet client overlay guidelines. - Due Diligence Vendor-03/03/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved. - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026<br>|  | Resolved | 2026-05-21 11:13 | N/A C |
| 305032466 | XXXXX | XXXXXX | XXXXX | 2026-03-03 10:55 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Open-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/16/2026 <br> Open-Audited Reserves of 4.34 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XXX,XXX.XX less cash to close per CD of $XXX,XXX.XX equals $XX,XXX.XX or 4.34 months reserves which is less than $XX,XXX.XX or 6 months required reserves per Client overlay guidelines. - Due Diligence Vendor-03/03/2026 |  |  |  | Acknowledged | 2026-03-16 17:35 | Investor Post-Close B |
| 305032466 | XXXXX | XXXXXX | XXXXX | 2026-03-02 04:59 | Credit | Eligibility | DTI exceeds client overlay guidelines | Open-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/16/2026 <br>Open-Audited DTI of 54.25% exceeds Guideline DTI of 50% allowed by client overlays. - Due Diligence Vendor-03/02/2026 |  |  |  | Acknowledged | 2026-03-16 17:34 | Investor Post-Close B |
| 305032466 | XXXXX | XXXXXX | XXXXX | 2026-02-27 10:52 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 640 is less than Guideline FICO of 660 allowed by client overlays. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:31 | Investor Post-Close B |
| 305030467 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865844 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865843 | XXXXX | XXXXXX | XXXXX | 2026-02-14 17:43 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 85%. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:04 | Investor Post-Close B |
| 304865843 | XXXXX | XXXXXX | XXXXX | 2026-02-14 17:43 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:04 | Investor Post-Close B |
| 304865843 | XXXXX | XXXXXX | XXXXX | 2026-02-14 17:43 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a purchase transaction. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:03 | Investor Post-Close B |
| 305039561 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039559 | XXXXX | XXXXXX | XXXXX | 2026-02-02 13:49 | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026<br>|  | Acknowledged | 2026-02-02 14:05 | Investor Post-Close B |
| 305039558 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865757 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-02-27 13:54 | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validation. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. - Due Diligence Vendor-03/17/2026 <br>Counter-Revised exception approval still lists reserves as a compensating factor. This is not valid as reserves do not meet client requirements. Condition retained. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Exception Uploaded - Due Diligence Vendor-03/11/2026 <br>Counter-Lender provided approved exception dated post consummation; however, compensating factors (reserves and investor experience) not valid. Reserves did not meet client requirements and borrower only has one investment property which is not rented per 1003 (i.e. no landlord/investor experience as stated). Provide corrected Exception Request. Condition remains. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-03/06/2026 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-02/27/2026 |  | Waived-Lender provided approved exception dated post-consummation and all lender compensating factors have been documented and validation. - Due Diligence Vendor-03/23/2026<br>| 1. Qualifying FICO1. Qualifying FICO 728.<br> 2. Reserves of 189.68 months via borrowers verified assets.<br> 3. Residual income $XX,XXX.XX.<br> 4. Experienced Investor.<br> 5. DTI 27.223%. | Waived | 2026-05-21 14:32 | Originator Post-Close D B |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-03-03 07:33 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Since the business assets requirement is based on our purchase criteria and not lender guidelines, please downgrade. Client Acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Lender qualified the loan using business funds for reserves. However, Client overlay guidelines do not allow the use of business assets for reserves. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Since the business assets requirement is based on our purchase criteria and not lender guidelines, please downgrade. Client Acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:48 | Investor Post-Close B |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-03-03 07:13 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Since the business assets requirement is based on our purchase criteria and not lender guidelines, please downgrade. Client Acknowledges - Due Diligence Vendor-03/05/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Lender qualified the loan using business funds for reserves. However, Client overlay guidelines do not allow the use of business assets for reserves. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Since the business assets requirement is based on our purchase criteria and not lender guidelines, please downgrade. Client Acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:47 | Investor Post-Close B |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-03-03 07:33 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80%. However, the current LTV of the subject is 85%. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:46 | Investor Post-Close B |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-02-27 15:47 | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/27/2026<br>|  | Acknowledged | 2026-03-03 07:43 | Investor Post-Close B |
| 304865752 | XXXXX | XXXXXX | XXXXX | 2026-03-03 07:33 | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2026 |  | Acknowledged | 2026-03-03 07:39 | Investor Post-Close B |
| 305030464 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865735 | XXXXX | XXXXXX | XXXXX | 2026-02-14 18:57 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a Rate/Term Refinance. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:01 | Investor Post-Close B |
| 304865735 | XXXXX | XXXXXX | XXXXX | 2026-02-14 18:57 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:00 | Investor Post-Close B |
| 304865735 | XXXXX | XXXXXX | XXXXX | 2026-02-14 18:57 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:00 | Investor Post-Close B |
| 305039557 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304865718 | XXXXX | XXXXXX | XXXXX | 2026-02-16 10:23 | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received signed Business Purpose Affidavit, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded - Due Diligence Vendor-03/11/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Missing the signature page of the Business purpose affidavit. - Due Diligence Vendor-02/16/2026 |  | Resolved-Received signed Business Purpose Affidavit, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 09:07 | N/A D |
| 304865718 | XXXXX | XXXXXX | XXXXX | 2026-02-16 11:06 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 653 is less than Guideline FICO of 680 allowed by client overlays. Credit score of 653 is less than 680 the minimum credit score required per client overlay guidelines for a cash out refinance. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:59 | Investor Post-Close B |
| 305030461 | XXXXX | XXXXXX | XXXXX | 2026-03-03 06:59 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80%. However, the current LTV of the subject is 85%. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:24 | Investor Post-Close B |
| 305030461 | XXXXX | XXXXXX | XXXXX | 2026-03-03 06:59 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 85%. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:24 | Investor Post-Close B |
| 305030461 | XXXXX | XXXXXX | XXXXX | 2026-03-03 06:59 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:23 | Investor Post-Close B |
| 305032465 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039556 | XXXXX | XXXXXX | XXXXX | 2026-02-05 09:49 | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Final application received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-1003 is not required as there is only one Borrower and Borrower spouse not responsible - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Please see attached final application - Due Diligence Vendor-02/11/2026 <br>Open-The Final 1003 is Missing for B2<br> - Due Diligence Vendor-02/05/2026 |  | Resolved-Final application received, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 07:46 | N/A D |
| 305039555 | XXXXX | XXXXXX | XXXXX | 2026-02-04 14:12 | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/11/2026 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO 751 2. 17.70 months reserves via borrowers verified funds. 3. DSCR 1.20% 4. Credit dating back to XX/XXXX paid as agreed. | Waived | 2026-05-21 14:37 | Investor Post-Close B |
| 305039555 | XXXXX | XXXXXX | XXXXX | 2026-02-04 14:12 | Credit | Missing Doc | Missing VOM or VOR | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/11/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) Document is Missing. - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/17/2026<br>| 1. Qualifying FICO 751 2. 17.70 months reserves via borrowers verified funds. 3. DSCR 1.20% 4. Credit dating back to XX/XXXX paid as agreed. | Waived | 2026-05-21 14:37 | Investor Post-Close D B |
| 305039555 | XXXXX | XXXXXX | XXXXX | 2026-02-04 14:52 | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Verified sufficient funds for closing, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please see attached banks statements.Final Settlement Statement funds to close from borrower required of $XX,XXX.XX. Verified funds at time of closing were $XX,XXX.XX and the below information is in file: <br> 1. XX XXXX #XXXX - Transactions History (stamped by bank) from XX/XX/XXXX throughXX/XX/XXXX. Balance of $XX,XXX.XX.<br> 2. XX XXXX #XXXX – Statement (stamped by bank) for statement period ending XX/XX/XXXX. Balance of $XX,XXX.XX.<br> 3. XXX Checks (2 totaling $XXXX) – Cleared via borrower's XX XXXX account #XXXX: $XXXX cleared XX/XX/XXXX and $X,XXX cleared XX/XX/XXXX.<br>- Due Diligence Vendor-02/11/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified funds of $XX,XXX.XX are insufficient for funds to close of $XX,XXX.XX. - Due Diligence Vendor-02/04/2026 |  | Resolved-Verified sufficient funds for closing, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-17 16:18 | N/A C |
| 304865668 | XXXXX | XXXXXX | XXXXX | 2026-02-19 10:38 | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Credit report for B2 is dated post-close. Lender provided an approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/19/2026 |  | Waived-Credit report for B2 is dated post-close. Lender provided an approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/19/2026<br>|  | Waived | 2026-02-19 10:38 | Investor Post-Close B |
| 304865668 | XXXXX | XXXXXX | XXXXX | 2026-02-09 11:59 | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br>Open-Borrower 2 Credit Report is Missing. File does not have the credit report for the borrower2.<br> A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-02/09/2026 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/19/2026<br>| 1. >= 4 months Addt'l Reserves and <= $XXXX<br> 2. DSCR Ratio > 1.15% <br> 3. CDFI Hispanic | Resolved | 2026-02-19 10:34 | N/A B |
| 304865660 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030457 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039554 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039553 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:53 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Counter-Per Client overlays, 6 months of reserves are required, additional bank statement can fulfill both of shortage and 2 months requirement finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Our guidelines only require one month statement - Due Diligence Vendor-02/11/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Lender's guidelines require 2 full months statements. The loan file contains 1 month statement, which does not meet guideline requirements. - Due Diligence Vendor-02/04/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-05-21 14:38 | Investor Post-Close B |
| 305039553 | XXXXX | XXXXXX | XXXXX | 2026-02-04 10:58 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Waived-<br> Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-05/21/2026 <br>Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-05/21/2026 <br>Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Counter-Per Client overlays, 6 months of reserves are required, additional bank statement can fulfill both of shortage and 2 months requirement finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Our guidelines only require one month statement - Due Diligence Vendor-02/11/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender's guidelines require 2 full months statements. The loan file contains 1 month statement, which does not meet guideline requirements. - Due Diligence Vendor-02/04/2026 |  | Waived-<br> Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-05/21/2026 <br>Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-05/21/2026 <br>Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-05-21 14:37 | Investor Post-Close B |
| 305039553 | XXXXX | XXXXXX | XXXXX | 2026-02-05 18:40 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Counter-Per Client overlays, 6 months of reserves are required. finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-per our matrix, only requires 3 months reserves - Due Diligence Vendor-02/11/2026 <br>Open-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Per Client overlays, 6 months of reserves are required, Client approved exception to purchase criteria. Reserves within Lender guidelines. | Waived | 2026-05-21 13:51 | Investor Post-Close B |
| 305030451 | XXXXX | XXXXXX | XXXXX | 2026-02-14 16:14 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 642 is less than Guideline FICO of 680 allowed by client overlays. Credit score of 642 is less than 680, the minimum credit score required per client overlay guidelines for a cash out refinance. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:22 | Investor Post-Close B |
| 305039552 | XXXXX | XXXXXX | XXXXX | 2026-02-03 11:22 | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached Final SS - Due Diligence Vendor-02/11/2026 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-02/03/2026 |  | Resolved-Signed final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 13:11 | N/A D |
| 305039552 | XXXXX | XXXXXX | XXXXX | 2026-02-03 12:54 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – Missing PUD Rider - Due Diligence Vendor-02/06/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 13:07 | N/A D |
| 305039551 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:08 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded.<br> - Due Diligence Vendor-02/15/2026 <br>Counter-Per Client Overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-per matrix, 3 months reserves - Due Diligence Vendor-02/12/2026 <br>Open-Audited Reserves of 3.66 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/04/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded.<br> - Due Diligence Vendor-02/15/2026<br>|  | Waived | 2026-05-21 14:39 | Investor Post-Close B |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-02 09:42 | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-. - Due Diligence Vendor-02/23/2026 <br> Resolved-Received XX Attorney Preference letter. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Counter-Per your compliance report- The disclosed finance charge of ($XXX,XXX.XX) is not more than $XXX below the actual finance charge of ($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge vs Audit value in loan file for Final CD- The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge ($XXX,XXX.XX, there is a difference in the amount of finance charge from Final CD XXXXX.XX vs compliance report XXXXXX.XX= XXXX.XX, requested corrected CD. Finding remains - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached compliance report - Due Diligence Vendor-02/12/2026 <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 $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge ($XXX,XXX.XX) - Due Diligence Vendor-02/02/2026 |  | Resolved-. - Due Diligence Vendor-02/23/2026 <br>Resolved-Received NJ Attorney Preference letter. Condition cleared. - Due Diligence Vendor-02/23/2026<br>|  | Resolved | 2026-02-23 14:23 | N/A C |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:28 | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-02/02/2026 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/23/2026<br>|  | Resolved | 2026-02-23 14:17 | N/A D |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:08 | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E-Consent Appraisal Audit received, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached E-Consent Appraisal Audit - Due Diligence Vendor-02/11/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/04/2026 |  | Resolved-E-Consent Appraisal Audit received, Finding resolved. - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 13:16 | N/A C |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-02 09:31 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Resolved-Loan meets Non-Arms length transaction requirement per guidelines, it is acceptable for borrower is buy from relative. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Purchase is considered to be an Arm's Length Transaction, or Not Applicable - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Loan meets Non-Arms length transaction requirement per guidelines. - Due Diligence Vendor-02/12/2026 <br>Open-Purchase is not considered to be an Arm's Length Transaction Purchasing the subject property from borrower's relative - Due Diligence Vendor-02/02/2026 |  | Resolved-Loan meets Non-Arms length transaction requirement per guidelines, it is acceptable for borrower is buy from relative. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Purchase is considered to be an Arm's Length Transaction, or Not Applicable - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 13:02 | N/A C |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:24 | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026<br>|  | Acknowledged | 2026-02-04 11:53 | Investor Post-Close B |
| 305039550 | XXXXX | XXXXXX | XXXXX | 2026-02-04 11:52 | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026<br>|  | Acknowledged | 2026-02-04 11:52 | Investor Post-Close B |
| 304865547 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030438 | XXXXX | XXXXXX | XXXXX | 2026-02-09 11:49 | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Received evidence of valid ID, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached along with alternative documentation provided to support finding clearance referenced in the exception. - Due Diligence Vendor-03/12/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received evidence of valid ID, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 |  | Resolved | 2026-03-12 14:53 | N/A C |
| 305039549 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039548 | XXXXX | XXXXXX | XXXXX | 2026-02-05 11:21 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026 <br>Escalated-Loan has been escalated to Opus management for review. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Please see attached exception - Due Diligence Vendor-02/27/2026 <br>Counter-Please correct the Additional Parameters section of the Lender exception form to state "Allow 75% LTV with a credit score of 645 (instead of 646)". The credit score is 645. Condition remains. - Due Diligence Vendor-02/23/2026 <br>Open-Audited FICO of 645 is less than Guideline FICO of 680 - Due Diligence Vendor-02/23/2026 <br>Ready for Review-exception - Due Diligence Vendor-02/12/2026 <br>Open-Audited FICO of 645 is less than Guideline FICO of 680 - Due Diligence Vendor-02/05/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding. - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:38 | Investor Post-Close B |
| 305039548 | XXXXX | XXXXXX | XXXXX | 2026-02-05 11:11 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-02/05/2026 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-02/05/2026<br>| Residual income >$X,XXX - Residual Income<br> DTI is at least 10 percentage points below max 55% - DTI 39.39%<br> Reserves of at least 7 months - 14.7 months reserves | Waived | 2026-02-05 11:11 | Originator Pre-Close B |
| 305032464 | XXXXX | XXXXXX | XXXXX | 2026-02-09 09:31 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/18/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/09/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 10:05 | N/A D |
| 305030428 | XXXXX | XXXXXX | XXXXX | 2026-02-15 19:31 | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title with sufficient coverage, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please see attached FTP - Due Diligence Vendor-03/11/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-02/16/2026 |  | Resolved-Received Final Title with sufficient coverage, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-03/11/2026 |  | Resolved | 2026-03-11 16:24 | N/A C |
| 305030428 | XXXXX | XXXXXX | XXXXX | 2026-02-15 19:52 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received Operating Agreement showing borrower as sole owner, finding resolved. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Please see attached OA where on Page 2, Section 2-2.1 where is states borrower is sole member of the company - Due Diligence Vendor-03/11/2026 <br>Open-Missing verification of borrower's ownership percentage of business. - Due Diligence Vendor-02/16/2026 |  | Resolved-Received Operating Agreement showing borrower as sole owner, finding resolved. - Due Diligence Vendor-03/11/2026<br>|  | Resolved | 2026-03-11 16:19 | N/A D |
| 305030428 | XXXXX | XXXXXX | XXXXX | 2026-02-15 19:46 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 663 is less than Guideline FICO of 680 allowed by client overlays. Credit score of 663 Utilized is less than 680 FICO, the minimum credit score required per client overlay guidelines for a cash out refinance. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:21 | Investor Post-Close B |
| 305030426 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039547 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039546 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039545 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305032463 | XXXXX | XXXXXX | XXXXX | 2026-02-28 21:02 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges finding. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Updated Exception Uploaded - Due Diligence Vendor-03/11/2026 <br>Counter-Lender provided approved exception dated post consummation, however, the compensating factors on the exception form are not correct. Correct the reserves to be 18.81 months instead of 20.72 in both the Loan info section and compensating factor section of the approval. Condition remains. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-03/06/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit score does not meet client overlay guidelines. - Due Diligence Vendor-03/01/2026 |  | Resolved-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges finding. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 13:57 | N/A C |
| 305032463 | XXXXX | XXXXXX | XXXXX | 2026-02-27 10:58 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades finding. - Due Diligence Vendor-03/12/2026 <br>Counter-Lender provided approved exception dated post consummation, however, the compensating factors on the exception form are not correct. Correct the reserves to be 18.81 months instead of 20.72 in both the Loan info section and compensating factor section of the approval. Condition remains. - Due Diligence Vendor-03/10/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 651 is less than Guideline FICO of 660 allowed by client overlays. Credit score of 651 is less than 660, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades finding. - Due Diligence Vendor-03/12/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-12 13:52 | Investor Post-Close B |
| 305032463 | XXXXX | XXXXXX | XXXXX | 2026-02-28 20:53 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender guidelines require a maximum LTV of 70% for qualifying score below 660. The loan's qualifying score is 651 and the current LTV of the subject is 75%. Lender provided exception dated prior to consummation all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/01/2026 |  | Waived-Lender guidelines require a maximum LTV of 70% for qualifying score below 660. The loan's qualifying score is 651 and the current LTV of the subject is 75%. Lender provided exception dated prior to consummation all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/01/2026<br>| 1) DTI more than 10% below maximum<br> 2) Reserves > 13 month<br> 3) Residual income. <br> 4) Self-employed for more than 5 years. | Waived | 2026-02-28 21:05 | Originator Pre-Close B |
| 304868677 | XXXXX | XXXXXX | XXXXX | 2026-02-01 13:07 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Master insurance policy for commercial general liability was received. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Commercial liability - Due Diligence Vendor-02/04/2026 <br>Open-Missing Hazard Insurance Policy Subject property is 7 units. Missing commercial general liability insurance blanket policy against claims for personal injury, bodily injury, death or property damage as required per lender guidelines. <br> - Due Diligence Vendor-02/01/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026<br>|  | Resolved | 2026-05-22 09:21 | N/A D |
| 304868675 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039544 | XXXXX | XXXXXX | XXXXX | 2026-02-04 03:14 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Comparable Rental Schedule and Lease Agreement confirm rental of $X,XXX per month which changes DSCR calculation to 1.84%. Finding resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-market rent for main dwelling $XXXX + $XXXX for ADU=$XXXX- see attached lease agreement for adu and two months rent receipt - Due Diligence Vendor-02/12/2026 <br> Open-Audited DSCR of 0.869 is below guideline minimum of 1 . Lender used a gross rental amount of $XXXX - verification of $XXXX rental amount is missing - Due Diligence Vendor-02/08/2026 |  | Resolved-Comparable Rental Schedule and Lease Agreement confirm rental of $X,XXX per month which changes DSCR calculation to 1.84%. Finding resolved - Due Diligence Vendor-02/18/2026 |  | Resolved | 2026-02-18 14:56 | N/A C |
| 305030410 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039543 | XXXXX | XXXXXX | XXXXX | 2026-02-04 14:20 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD language is embedded in the Mortgage doc, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/04/2026 |  | Resolved-PUD language is embedded in the Mortgage doc, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 11:12 | N/A D |
| 305039542 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030401 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039541 | XXXXX | XXXXXX | XXXXX | 2026-02-03 13:48 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/03/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 11:22 | N/A D |
| 305030398 | XXXXX | XXXXXX | XXXXX | 2026-02-03 11:08 | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/10/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/03/2026 |  | Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-16 19:05 | N/A D |
| 305039540 | XXXXX | XXXXXX | XXXXX | 2026-03-02 11:20 | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |  | Acknowledged | 2026-03-02 11:20 | Investor Post-Close B |
| 305039540 | XXXXX | XXXXXX | XXXXX | 2026-03-02 11:20 | 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-03/02/2026 |  | 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-03/02/2026<br>|  | Acknowledged | 2026-03-02 11:20 | Investor Post-Close B A |
| 305030395 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030391 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039539 | XXXXX | XXXXXX | XXXXX | 2026-02-03 08:55 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/03/2026 |  | Resolved-PUD Rider language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 11:49 | N/A D |
| 305030382 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039538 | XXXXX | XXXXXX | XXXXX | 2026-02-03 13:55 | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-05/22/2026 <br>Resolved-Condo Rider info is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Condo Riders are not required on all BP loans. All verbiage required should be included within the body of the Deed - Due Diligence Vendor-02/18/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/03/2026 |  | Resolved-The Condo Rider is Present - Due Diligence Vendor-05/22/2026 <br>Resolved-Condo Rider info is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-05-22 10:29 | N/A D |
| 305039537 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039536 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039535 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039534 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039533 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:32 | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/04/2026 |  | Resolved-PUD language is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 11:42 | N/A D |
| 305032462 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030352 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 12:36 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Client provided approval post consummation to allow the use of business funds. The approval was provided via email from client. - Due Diligence Vendor-03/10/2026 <br> Counter-per Client overlays, Business assets cannot be used as reserves. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Per our guidelines, business assets are permitted for reserves. - Due Diligence Vendor-02/11/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXX.XX Lender qualified the borrower with business assets for reserves - this is not allowed per Client overlay guidelines. - Due Diligence Vendor-02/04/2026 |  | Waived-Client provided approval post consummation to allow the use of business funds. The approval was provided via email from client. - Due Diligence Vendor-03/10/2026<br>|  | Waived | 2026-05-21 14:41 | Investor Post-Close B |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 12:43 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client provided approval post consummation to allow the use of business funds. The approval was provided via email from client. - Due Diligence Vendor-03/10/2026 <br>Counter-Per Client Overlays, Business Assets are not permitted for reserves, Finding remains - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Business Assets provided are permitted for reserves. - Due Diligence Vendor-02/11/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Lender qualified the borrower with business assets for reserves - this is not allowed per Client overlay guidelines. - Due Diligence Vendor-02/04/2026 |  | Waived-Client provided approval post consummation to allow the use of business funds. The approval was provided via email from client. - Due Diligence Vendor-03/10/2026<br>|  | Waived | 2026-05-21 14:41 | Investor Post-Close B |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-02 09:54 | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026 <br>Counter-E-Consent was not provided to the borrower, however there is proof the appraisal was delivered electronically. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-This is a BP loan. what document are you referring to? - Due Diligence Vendor-02/11/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/02/2026 |  | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026<br>|  | Acknowledged | 2026-04-02 15:20 | Investor Post-Close B |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:26 | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026 <br>Counter-E-Consent was not provided to the borrower, however there is proof the appraisal was delivered electronically. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Per guidelines, an e-consent on transferred appraisals are not required. - Due Diligence Vendor-02/11/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026<br>|  | Acknowledged | 2026-04-02 15:19 | Investor Post-Close B |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 12:43 | Credit | Eligibility | LTV exceeds client overlay guidelines | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Additionally, the Client provided approval post consummation to allow the use of business funds via email (for reserves comp factor). - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-03/06/2026 <br> Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br> Counter-Matrix @80%, however the Client overlays require a maximum LTV of 70%. However, the current LTV of the subject is 79.50%. NOTE: Maximum LTV for cash-out refinance of investment properties, with loan amounts up to $X.XXXis 75% less 5% deduction for interest-only, or maximum of 70%. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-per matrix, Max 80% ltv for cash out refi is permitted - Due Diligence Vendor-02/11/2026 <br> Open-Audited LTV of 79.5% exceeds guideline LTV of 70% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 70%. However, the current LTV of the subject is 79.50%. NOTE: Maximum LTV for cash-out refinance of investment properties, with loan amounts up to $XXXXX is 75% less 5% deduction for interest-only, or maximum of 70%. - Due Diligence Vendor-02/04/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. Additionally, the Client provided approval post consummation to allow the use of business funds via email (for reserves comp factor). - Due Diligence Vendor-03/10/2026 <br>Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>| Qualifying FICO 751<br> Experienced Investor<br> Reserves 10.96 months<br> Residual income $XXX,XXX.XX<br> Self-employed since XXXX<br> Borrower owned subject property since XXXX | Waived | 2026-03-10 13:10 | Investor Post-Close B |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:43 | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received LOX for REO 3c and T&I for REO 3b. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Tax & Ins m - Due Diligence Vendor-02/23/2026 <br> Open-Evidence of property taxes for property 3b on the final application addendum (XX XXXXXX XX). - Due Diligence Vendor-02/04/2026 |  | Resolved-Received LOX for REO 3c and T&I for REO 3b. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  | Resolved | 2026-02-25 08:09 | N/A D |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:26 | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received LOX for REO 3c and T&I for REO 3b. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Ins - Due Diligence Vendor-02/23/2026 <br> Open-Missing Evidence of Insurance for 1st property on 3C of the final application (XXXXXX) and 3b on 1003 continuation (XX XXXXX XX). - Due Diligence Vendor-02/02/2026 |  | Resolved-Received LOX for REO 3c and T&I for REO 3b. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  | Resolved | 2026-02-25 08:09 | N/A D |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 13:16 | Credit | Missing Doc | Missing Evidence of Insurance for Primary Residence | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-FPL - Due Diligence Vendor-02/23/2026 <br> Open-Missing Evidence of Insurance for Primary Residence Missing evidence of insurance for primary residence OR evidence that it is included in the mortgage payment of $XX,XXX.XX. The Credit Statement in file does not reflect escrows. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  | Resolved | 2026-02-25 08:08 | N/A D |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-04 12:55 | Credit | Missing Doc | Missing Evidence of Property Taxes for Primary Residence | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-FPL - Due Diligence Vendor-02/23/2026 <br> Open-Missing Evidence of Property Taxes for Primary Residence Missing evidence of taxes for primary residence OR evidence that it is included in the mortgage payment of $XX,XXX.XX. The Credit Statement in file does not reflect escrows. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/25/2026<br>|  | Resolved | 2026-02-25 08:07 | N/A D |
| 305039532 | XXXXX | XXXXXX | XXXXX | 2026-02-02 13:10 | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-02/02/2026<br>|  | Acknowledged | 2026-02-02 13:10 | Investor Post-Close B |
| 305030336 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039531 | XXXXX | XXXXXX | XXXXX | 2026-03-02 14:57 | Credit | Missing Doc | Missing VOM or VOR | Waived-Client has waived VOM requirement on REO. Finding downgraded. - Due Diligence Vendor-04/08/2026 <br> Counter-Lender provided approved exception dated post consummation, however, all lender compensating factors on the exception form are not correct. Correct the reserves to be 10.77 months (2 XXXX accounts). The Loan information section is also not correct. Provide a corrected and signed doc.<br>- Due Diligence Vendor-03/25/2026 <br> Counter-The information provided to clear the condition is pulled from the Title of the subject lien, not REO 3b. The sales history on the Fraud report reflects a purchase date of XX/XX/XXXX by the borrower business and sold to the borrower XX/XX/XXXX and a transfer (new loan) XX/XX/XXXX. The Final 1003 REO 3b creditor name states SPS XX/XXXX which appears to be stating a new loan opened XX/XXXX. Provide the Note and final Closing disclosure or Settlement statement from the recent new loan for REO 3b and a 12-month mortgage history through XX/XXXX. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-03/06/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per Guidelines, a VOM must be obtained for all oustanding mortgages the borrower have, if not evidence by the credit report. The loan file is missing the Verification of Mortgage for REO 3b listed on the final loan application. - Due Diligence Vendor-03/02/2026 |  | Waived-Client has waived VOM requirement on REO. Finding downgraded. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO 758<br> Reserves<br> Residual income $X,XXX.XX<br> Experienced Investor | Waived | 2026-04-08 09:39 | Investor Post-Close D B |
| 305039531 | XXXXX | XXXXXX | XXXXX | 2026-03-02 16:00 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 75%. However, the current LTV of the subject is 80% - Due Diligence Vendor-03/02/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:35 | Investor Post-Close B |
| 305039531 | XXXXX | XXXXXX | XXXXX | 2026-03-02 16:00 | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 |  | Acknowledged | 2026-03-02 16:00 | Investor Post-Close B |
| 305030329 | XXXXX | XXXXXX | XXXXX | 2026-03-02 15:13 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 <br>Open-Audited Reserves of 3.82 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-03/06/2026 <br>Open-Audited Reserves of 3.82 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026<br>| 1. LTV 67.342% (max allowed 75%)<br> 2. Experienced Investor.<br> 3. Self-employed since XXXX.<br> 4. Residual income $XX,XXX.XX. | Waived | 2026-03-10 12:59 | Originator Post-Close B |
| 305030317 | XXXXX | XXXXXX | XXXXX | 2026-01-30 13:37 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026 <br>Ready for Review-see attached rent free loe - Due Diligence Vendor-02/05/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-04-02 10:15 | N/A C |
| 305030317 | XXXXX | XXXXXX | XXXXX | 2026-01-30 12:05 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026 <br>Ready for Review-rent free loe - Due Diligence Vendor-02/05/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 07:55 | N/A C |
| 305030317 | XXXXX | XXXXXX | XXXXX | 2026-01-30 12:14 | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached e-consent. The XX/XX/XXXX initial LE was wet signed - Due Diligence Vendor-02/05/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower.<br> - Due Diligence Vendor-01/30/2026 |  | Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 07:54 | N/A C |
| 305039530 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030291 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030279 | XXXXX | XXXXXX | XXXXX | 2026-02-27 07:02 | Compliance | Mavent | License: Loan Originator | Resolved-Letter of Intent to re-record mortgage with correct NMLS. Condition cleared. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-LOI - Due Diligence Vendor-04/02/2026 <br> Counter-Agree that X XXXXXX with NMLS XXXXXXX is authorized to represent the Lender. However, the name on the documents is different - X. XXXXXX. Lender to correct all applicable documents with correct Loan Officer and corresponding NMLS ID. For documents that need recording, provide proof that document has been re-recorded. For Closing Disclosure - provide Letter of Explanation, corrected post-close CD and proof of delivery. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-NMLS for XXXXXXXX X XXXXXXX XXX NMLS ID XXXXXXX (attached)<br> NMLS for XXXXXXXXXXX XXXXXX XXXXXX NMLS XXXXXXX (attached)<br> Authorized to represent Priority 1 Lending - Due Diligence Vendor-03/11/2026 <br> Open-A relationship between the individual (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. NMLS look-up reveals that NMLS ID XXXXXXX belongs to a different person. - Due Diligence Vendor-02/27/2026 |  | Resolved-Letter of Intent to re-record mortgage with correct NMLS. Condition cleared. - Due Diligence Vendor-04/03/2026<br>|  | Resolved | 2026-04-02 20:47 | N/A C |
| 305030279 | XXXXX | XXXXXX | XXXXX | 2026-03-01 20:53 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Reserves do not meet client overlay guidelines. Client acknowledged the finding. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Exception Uploaded - Due Diligence Vendor-03/11/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender qualified borrower using business assets for reserves. This is allowed per Lender's guidelines but not allowed on client overlay guidelines. Additionally, verified amount of 3.18 months is less than required reserves of 6 months. - Due Diligence Vendor-03/02/2026 |  | Resolved-Reserves do not meet client overlay guidelines. Client acknowledged the finding. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 14:46 | N/A C |
| 305030279 | XXXXX | XXXXXX | XXXXX | 2026-03-01 20:50 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Lender qualified borrower using business assets for reserves. This is allowed per Lender's guidelines but not allowed on client overlay guidelines. Additionally, verified amount of 3.18 months is less than required reserves of 6 months. - Due Diligence Vendor-03/02/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:19 | Investor Post-Close B |
| 305030278 | XXXXX | XXXXXX | XXXXX | 2026-03-01 19:43 | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-File passes applicable ATR testing. Finding resolved - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. - Due Diligence Vendor-03/13/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Credit score does not meet client overlay guidelines. - Due Diligence Vendor-03/02/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026<br>|  | Resolved | 2026-05-21 11:14 | N/A C |
| 305030278 | XXXXX | XXXXXX | XXXXX | 2026-02-27 13:03 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 640 is less than Guideline FICO of 660 allowed by client overlays. Credit score of 640 is less than 660, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:18 | Investor Post-Close B |
| 305030272 | XXXXX | XXXXXX | XXXXX | 2026-03-01 11:37 | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-File passes applicable ATR testing. Finding resolved - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. ATR information is on the Exception Form at Additional Parameters section on page 3. - Due Diligence Vendor-03/13/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-03/01/2026 |  | Resolved-File passes applicable ATR testing. Finding resolved - Due Diligence Vendor-05/21/2026 <br>Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/17/2026<br>|  | Resolved | 2026-05-21 11:15 | N/A C |
| 305030272 | XXXXX | XXXXXX | XXXXX | 2026-03-01 11:56 | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal Delivery date of XX/XX/XXXX is prior to E-Consent date of XX/XX/XXXX. - Due Diligence Vendor-03/01/2026 |  | Acknowledged-Finding acknowledged and downgraded. - Due Diligence Vendor-04/02/2026<br>|  | Acknowledged | 2026-04-02 15:22 | Investor Post-Close B |
| 305030272 | XXXXX | XXXXXX | XXXXX | 2026-02-27 08:39 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br> Open-Audited Reserves of 5.87 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Borrower using cash-out proceeds for reserves. The final CD reflects cash-out to the borrower of $XX,XXX.XX or 5.87 months which is less than required reserves of 5 months or $XX,XXX.XX per client overlays, a shortage of $XXX.XX. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:17 | Investor Post-Close B |
| 305030263 | XXXXX | XXXXXX | XXXXX | 2026-02-02 08:26 | Credit | Eligibility | Transaction Ineligible | Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The following documentation is attached to support that borrower is not a First Time Investor and not a FTHB:<br> • Property at XXX-XXX XXXXXXXX XX, XXXXXXXX, XX shows vestee as XX XXX-XXX XXXXXXX XX XX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Has owned since XX/XXXX.<br> • Property at XX-XX XXXXX XX, XXXXXXXX, XX shows vestee as XX XXXXX XXX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Had owned since XX/XXXX.<br> - Due Diligence Vendor-02/06/2026 <br> Open-According to the lender guidelines, first time home buyer is not permitted for the DSCR 5–8-unit program. Missing evidence the borrower has had ownership interest in the past three years. - Due Diligence Vendor-02/02/2026 |  | Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026<br>|  | Resolved | 2026-02-16 18:58 | N/A C |
| 305039529 | XXXXX | XXXXXX | XXXXX | 2026-02-04 00:50 | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax bill received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached Tax Cert - Due Diligence Vendor-02/12/2026 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-02/04/2026 |  | Resolved-Tax bill received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 08:28 | N/A D |
| 305039529 | XXXXX | XXXXXX | XXXXX | 2026-02-04 00:56 | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider language is embedded in the Mortgage document. Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/04/2026 |  | Resolved-Condo Rider language is embedded in the Mortgage document. Finding resolved. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 08:22 | N/A D |
| 305030147 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039528 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030044 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304909048 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305076771 | XXXXX | XXXXXX | XXXXX | 2026-05-21 13:53 | 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. 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-05/21/2026 |  | 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. 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-05/21/2026<br>|  | Acknowledged | 2026-05-21 13:53 | Investor Post-Close B A |
| 305077123 | XXXXX | XXXXXX | XXXXX | 2026-03-27 09:48 | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/03/2026 <br> Ready for Review-4/2 XX: Please see attached documentation - Due Diligence Vendor-04/02/2026 <br> Open-Missing Evidence of Good Standing. Online printout provided reflecting business as active; however, it is not dated. - Due Diligence Vendor-03/30/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/03/2026<br>|  | Resolved | 2026-04-03 16:50 | N/A D |
| 305029240 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305029270 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057553 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057552 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305070546 | XXXXX | XXXXXX | XXXXX | 2026-03-29 19:57 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-4/24 XX: Please see the attached documentation the confirms ownership percentage and lox that gives borrower full access to the funds. - Due Diligence Vendor-04/24/2026 <br> Counter-Unable to confirm borrower's ownership in XXX XXXXXXXXXX. Assets are listed as XXX XXXXXXXXXX. Unable to utilize assets for reserves. Condition remains. - Due Diligence Vendor-04/22/2026 <br> Counter-Reviewed Lender's response regarding an exception to allow the use of business assets for reserves; however, no approved exception form was uploaded. Please provide approved exception form. Finding remains - Due Diligence Vendor-04/03/2026 <br> Ready for Review-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 723, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-04/02/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXX.XX Per lender overlay guidelines - Business assets cannot be used as reserves. - Due Diligence Vendor-03/30/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/27/2026<br>|  | Waived | 2026-05-21 14:44 | Investor Post-Close B |
| 305070546 | XXXXX | XXXXXX | XXXXX | 2026-03-29 20:00 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-4/28 XX: Please see the attached documentation the confirms ownership percentage and lox that gives borrower full access to the funds. - Due Diligence Vendor-04/28/2026 <br> Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/27/2026 <br> Counter-Reviewed Lender's response regarding an exception to allow the use of business assets for reserves; however, no approved exception form was uploaded. Please provide approved exception form. Finding remains - Due Diligence Vendor-04/03/2026 <br> Ready for Review-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 723, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-04/02/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. Per lender overlay guidelines - Business assets cannot be used as reserves. - Due Diligence Vendor-03/30/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/28/2026 <br>Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. - Due Diligence Vendor-04/27/2026<br>|  | Waived | 2026-05-21 14:43 | Investor Post-Close B |
| 305077122 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305030627 | XXXXX | XXXXXX | XXXXX | 2026-03-13 18:10 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Based on update to the CIB Residential Mortgage Purchase Criteria (overlays), business assets may be used as reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/22/2026 <br> Counter-Section 11 of Residential Mortgage Purchase Criteria overlay document states business assets cannot be used as reserves. Lender's rebuttal indicates an exception was granted; however, no approved exception form was uploaded. Finding remains - Due Diligence Vendor-03/19/2026 <br> Ready for Review-03/18/2026 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/18/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 3 months. Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/13/2026 |  | Resolved-Based on update to the CIB Residential Mortgage Purchase Criteria (overlays), business assets may be used as reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/22/2026<br>|  | Resolved | 2026-04-22 11:45 | N/A C |
| 305030627 | XXXXX | XXXXXX | XXXXX | 2026-03-13 18:04 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Based on update to the CIB Residential Mortgage Purchase Criteria (overlays), business assets may be used as reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/22/2026 <br> Counter-Section 11 of Residential Mortgage Purchase Criteria overlay document states business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/19/2026 <br> Ready for Review-03/18/2026 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/18/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/13/2026 |  | Resolved-Based on update to the CIB Residential Mortgage Purchase Criteria (overlays), business assets may be used as reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/22/2026<br>|  | Resolved | 2026-04-22 11:45 | N/A C |
| 305030627 | XXXXX | XXXXXX | XXXXX | 2026-03-13 18:07 | Credit | Eligibility | Ineligible Borrower (Borrower 1) | Acknowledged-XX: XXX acknowledges that the borrower is a first-time homebuyer/investor. However, we believe the file still meets investment quality and are requesting an exception based on the following compensating factors: 1:) FICO 757 2.) LTV = 78.75 3.) DSCR = 1.01 4.) .34 months of avaiable reserves via XXXXX xXXXX and XX xXXXX. Client acknowledges and downgrades findings. <br> - Due Diligence Vendor-04/01/2026 <br> Open-Borrower is a first-time home buyer, which is ineligible. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-XX: XXX acknowledges that the borrower is a first-time homebuyer/investor. Hwoever, we believe the file still meets investment quality and are requesting an exception based on the following compensating factors: 1:) FICO 757 2.) LTV = 78.75 3.) DSCR = 1.01 4.) .34 months of avaiable reserves via XXXXX xXXXX and XX xXXXX. Client acknowledges and downgrades findings. <br> - Due Diligence Vendor-04/01/2026 | XX: XXX acknowledges that the borrower is a first-time homebuyer/investor. Hwoever, we believe the file still meets investment quality and are requesting an exception based on the following compensating factors: 1:) FICO 757 2.) LTV = 78.75 3.) DSCR = 1.01 4.) .34 months of avaiable reserves via XXXXX xXXXX and XX xXXXX | Acknowledged | 2026-04-01 10:03 | Investor Post-Close B |
| 305030627 | XXXXX | XXXXXX | XXXXX | 2026-03-07 06:52 | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Updated evidence of good standing received, finding resolved. - Due Diligence Vendor-03/19/2026 <br> 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-03/19/2026 <br> Ready for Review-03/18/2026 - XX: Please see attached. The XX SOS confirms XXX XXXXXXXX is currently active and the certificate the was issued on XX/XX/XXXX is still valid. - Due Diligence Vendor-03/18/2026 <br> Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. 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 587 days exceeds guidelines. - Due Diligence Vendor-03/07/2026 |  | Resolved-Updated evidence of good standing received, finding resolved. - Due Diligence Vendor-03/19/2026 <br> 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-03/19/2026 |  | Resolved | 2026-03-24 09:06 | N/A C |
| 305053490 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096904 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096903 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096807 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096806 | XXXXX | XXXXXX | XXXXX | 2026-04-16 11:04 | Credit | Missing Doc | Required Documentation is Missing | Resolved-Copies of Closing Disclosures provided for REO 3e and 3f, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-4/23 XXX: See attached. - Due Diligence Vendor-04/23/2026 <br> Open-1003 application indicates REO properties #3f with new mortgages financed by the lender. Copies of the Notes and/or Final Closing Disclosure, for REO properties #3f with new mortgages as reflected on the 1003 application, are missing. - Due Diligence Vendor-04/16/2026 |  | Resolved-Copies of Closing Disclosures provided for REO 3e and 3f, finding resolved. - Due Diligence Vendor-04/24/2026<br>|  | Resolved | 2026-04-24 14:47 | N/A D |
| 305037873 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088228 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305061193 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305044594 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085899 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085898 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085897 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085896 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085895 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057709 | XXXXX | XXXXXX | XXXXX | 2026-03-31 06:28 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/22/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXX.XX is less than Total Required Reserve Amount of $XXXX.XX Per lender overlays - Business assets cannot be used as reserves. - Due Diligence Vendor-03/31/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/22/2026 |  | Resolved | 2026-04-22 13:38 | N/A C |
| 305057709 | XXXXX | XXXXXX | XXXXX | 2026-03-31 06:29 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 44.27 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/22/2026 <br>Open-Audited Reserves of 1.01 month(s) are less than Guideline Required Reserves of 3 month(s) Per lender overlays - Business assets cannot be used as reserves. - Due Diligence Vendor-03/31/2026 |  | Resolved-Audited Reserves of 44.27 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/22/2026<br>|  | Resolved | 2026-04-22 13:37 | N/A C |
| 305054927 | XXXXX | XXXXXX | XXXXX | 2026-03-27 06:49 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received documentation for the subject property showing borrower not personally responsible for the obligation, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-04/06/26 - XX: Please see attached. The borrower was not obligated on the note for the subject property's mortgage. - Due Diligence Vendor-04/06/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing verification of 12 months housing history for the subject. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received documentation for the subject property showing borrower not personally responsible for the obligation, finding resolved. - Due Diligence Vendor-04/07/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/07/2026<br>|  | Resolved | 2026-04-07 13:15 | N/A C |
| 305054927 | XXXXX | XXXXXX | XXXXX | 2026-04-01 12:05 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copies of Notes and Closing Disclosures for properties on XXXXX XXX and XXXX XXXXXX and the loan file contains documentation for the subject property, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-04/06/2026 - XX: Please see attached. Additionally, XXXX XXXXXXX is the subject property for this transaction. - Due Diligence Vendor-04/06/2026 <br> Open-Per LOX borrower is on title for REO properties, XXX XXXXX, XXXX XXXXXXX, and XXXX X XXXX. Missing documentation to validate borrower is on title. LOX also indicates the properties are refinanced with new loans with the lender . A copy of the Note and or final closing disclosure for the REOS with new mortgages are missing - Due Diligence Vendor-04/01/2026 |  | Resolved-Received copies of Notes and Closing Disclosures for properties on XXXXX XXX and XXXX XXXXXX and the loan file contains documentation for the subject property, finding resolved. - Due Diligence Vendor-04/07/2026 |  | Resolved | 2026-04-07 13:11 | N/A D |
| 305052642 | XXXXX | XXXXXX | XXXXX | 2026-03-25 06:22 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided showing borrower is not personally responsible for housing payments on subject property, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-4/6 XX: Please see attached note for the subject property that shows the borrower is not obligated on the mtg for the subject. - Due Diligence Vendor-04/06/2026 <br> Counter-The documentation provided pertains to the borrower's primary housing history; however, the payment history for the subject property is missing from the loan file. Finding remains - Due Diligence Vendor-04/03/2026 <br> Ready for Review-4/2 XX: Per LOX in the file the borrower is currently rent free. Before that the borrower did own a property with his ex wife at XXXXX XXXXXXX XXXXX but he is not obligated on the mortgage. There is no VOR/VOM to provide. - Due Diligence Vendor-04/02/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. for the subject property. - Due Diligence Vendor-03/25/2026 |  | Resolved-Documentation provided showing borrower is not personally responsible for housing payments on subject property, finding resolved. - Due Diligence Vendor-04/07/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/07/2026<br>|  | Resolved | 2026-04-07 12:54 | N/A C |
| 305054990 | XXXXX | XXXXXX | XXXXX | 2026-03-02 13:21 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history from XX/XXXX - XX/XXXX for subject along with copy of Note for REO 3h showing no payment until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-3/11 XX: Please see attached payment history for the REO XXXX XX XXXX XXX - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed lender's rebuttal regarding payment history for the subject property. The payment history for the subject property from XX/XXXX - XX/XXXX is still missing. Received copy of Note for REO 3h. Finding remains - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Please see the attached note for the property that is under XX XXXX XX XXXX XXX that shows the mtg just closed on XX/XX/XXXX making the 1st payment XX/XX/XXXX. For the property reporting on XX XXXX XXXXXXXXX XXXX XXXXXX XXXXX, XX XXXXX Please see attached note showing it closed on XX/XXXX making the first payment XX/XXXX. There would not be a 12 month history to provide. - Due Diligence Vendor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines require a 12-month payment history (or since origination, whichever is less) for all mortgages (including subordinate liens). The following REO listed on the final loan application did not contain a housing history: subject property REO listed on 3a, and REO listed on 3h. If the REO properties listed did not require a mortgage payment; then, provide a copy of the note reflecting that no payments are required. - Due Diligence Vendor-03/02/2026 |  | Resolved-Received payment history from XX/XXXX - XX/XXXX for subject along with copy of Note for REO 3h showing no payment until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 |  | Resolved | 2026-03-11 13:20 | N/A C |
| 305054990 | XXXXX | XXXXXX | XXXXX | 2026-02-24 18:00 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note for REO 3h showing first payment due date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Please see attached note - Due Diligence Vendor-03/05/2026 <br> Open-1003 application indicates REO property #3h with a new mortgage with the subject lender. A copy of the Note and or final closing disclosure for REO property #3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received copy of Note for REO 3h showing first payment due date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 |  | Resolved | 2026-03-06 10:26 | N/A D |
| 305073584 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057708 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088402 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-14 11:37 | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited LTV of 76.36% is less than or equal to guideline LTV of 80% allowed by client overlays. Audited LTV of 76.36% is less than or equal to guideline LTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br> Open-Audited LTV of 76.36% exceeds guideline LTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 75%. However, the current LTV of the subject is 76.36%. - Due Diligence Vendor-04/14/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited LTV of 76.36% is less than or equal to guideline LTV of 80% allowed by client overlays. Audited LTV of 76.36% is less than or equal to guideline LTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026<br>|  | Resolved | 2026-04-20 13:24 | N/A C |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-14 11:37 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited HCLTV of 76.36% is less than or equal to guideline HCLTV of 80% allowed by client overlays. Audited HCLTV of 76.36% is less than or equal to guideline HCLTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br> Open-Audited HCLTV of 76.36% exceeds guideline HCLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 75%. However, the current HCLTV of the subject is 76.36%. - Due Diligence Vendor-04/14/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited HCLTV of 76.36% is less than or equal to guideline HCLTV of 80% allowed by client overlays. Audited HCLTV of 76.36% is less than or equal to guideline HCLTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026<br>|  | Resolved | 2026-04-20 13:23 | N/A C |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-14 11:37 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited CLTV of 76.36% is less than or equal to guideline CLTV of 80% allowed by client overlays. Audited CLTV of 76.36% is less than or equal to guideline CLTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br> Open-Audited CLTV of 76.36% exceeds guideline CLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 75.00%. However, the current CLTV of the subject is 76.36%. - Due Diligence Vendor-04/14/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited CLTV of 76.36% is less than or equal to guideline CLTV of 80% allowed by client overlays. Audited CLTV of 76.36% is less than or equal to guideline CLTV of 80% allowed by client overlays. - Due Diligence Vendor-04/20/2026<br>|  | Resolved | 2026-04-20 13:23 | N/A C |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-10 01:36 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited HLTV of 76.36% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/20/2026 <br>Ready for Review-04/20/2026 - KJ: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited HLTV of 76.36% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-04/14/2026 <br>Open-Audited HLTV of 76.36% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-04/10/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited HLTV of 76.36% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited HLTV of 76.36% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-04/14/2026<br>|  | Resolved | 2026-04-20 13:22 | N/A C |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-10 01:36 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited CLTV of 76.36% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited CLTV of 76.36% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-04/14/2026 <br> Open-Audited CLTV of 76.36% exceeds Guideline CLTV of 75% - Due Diligence Vendor-04/10/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited CLTV of 76.36% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited CLTV of 76.36% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-04/14/2026<br>|  | Resolved | 2026-04-20 13:21 | N/A C |
| 305069975 | XXXXX | XXXXXX | XXXXX | 2026-04-10 01:36 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited LTV of 76.36% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: This is a delayed financing transaction, and the file is subject to Rate & Term Parameters and pricing. an LTV of 76.36% is sufficient. Please see attached. - Due Diligence Vendor-04/20/2026 <br> Resolved-Audited LTV of 76.36% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/14/2026 <br> Open-Audited LTV of 76.36% exceeds Guideline LTV of 75% - Due Diligence Vendor-04/10/2026 |  | Resolved-Transaction was delayed financing and should be underwritten and priced as a rate/term refinance, finding resolved. - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited LTV of 76.36% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/20/2026 <br>Resolved-Audited LTV of 76.36% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/14/2026<br>|  | Resolved | 2026-04-20 13:21 | N/A C |
| 305057544 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077121 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078252 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305056846 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085894 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305059702 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078934 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305063736 | XXXXX | XXXXXX | XXXXX | 2026-05-21 13:13 | 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-05/21/2026 |  | 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-05/21/2026<br>|  | Acknowledged | 2026-05-21 13:13 | Investor Post-Close B A |
| 305063736 | XXXXX | XXXXXX | XXXXX | 2026-04-14 08:45 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Updated guideline overlays allow the use of business assets to be used for reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/24/2026 <br> Ready for Review-4/24 XX: The guidelines that were agreed to allow for business assets to be sued for reserves. The guidelines state Funds from a business account may be used for funds to close and reserves. Documentation must be in the file supporting the borrower's percentage of ownership interest via CPA letter or business filing. If borrower is less than 100% owner of the business, attestation must be provided from all other owners giving the borrower full access to the funds. If the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. The business is the same as the business that the file was closed as. - Due Diligence Vendor-04/24/2026 <br> Counter-Guideline overlays section 11 (Asset Eligibility Notes) states business assets cannot be used as reserves, finding remains. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-4/20 XX: The guidelines that were agreed to allow for business assets to be sued for reserves. The guidelines state Funds from a business account may be used for funds to close and reserves. Documentation must be in the file supporting the borrower's percentage of ownership interest via CPA letter or business filing. If borrower is less than 100% owner of the business, attestation must be provided from all other owners giving the borrower full access to the funds. If the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. - Due Diligence Vendor-04/20/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Client Overlays do not allow Business assets to be used for reserves. - Due Diligence Vendor-04/14/2026 |  | Resolved-Updated guideline overlays allow the use of business assets to be used for reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/24/2026 |  | Resolved | 2026-04-24 16:00 | N/A C |
| 305063736 | XXXXX | XXXXXX | XXXXX | 2026-04-14 08:51 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Updated guideline overlays allow the use of business assets to be used for reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Resolved-Audited Reserves of 40.38 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-4/24 XX: The guidelines that were agreed to allow for business assets to be sued for reserves. The guidelines state Funds from a business account may be used for funds to close and reserves. Documentation must be in the file supporting the borrower's percentage of ownership interest via CPA letter or business filing. If borrower is less than 100% owner of the business, attestation must be provided from all other owners giving the borrower full access to the funds. If the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. The business is the same as the business that the file was closed as. - Due Diligence Vendor-04/24/2026 <br> Counter-Guideline overlays section 11 (Asset Eligibility Notes) states business assets cannot be used as reserves, finding remains. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-4/20 XX: The guidelines that were agreed to allow for business assets to be sued for reserves. The guidelines state Funds from a business account may be used for funds to close and reserves.<br> Documentation must be in the file supporting the borrower's percentage of ownership interest via CPA letter or business filing.<br> If borrower is less than 100% owner of the business, attestation must be provided from all other owners giving the borrower full access to the funds.<br> If the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. - Due Diligence Vendor-04/20/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. Business assets cannot be used for reserves per client overlays. - Due Diligence Vendor-04/14/2026 |  | Resolved-Updated guideline overlays allow the use of business assets to be used for reserves with evidence borrower is 100% owner, finding resolved. - Due Diligence Vendor-04/24/2026 <br>Resolved-Audited Reserves of 40.38 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/24/2026<br>|  | Resolved | 2026-04-24 15:59 | N/A C |
| 305078693 | XXXXX | XXXXXX | XXXXX | 2026-04-14 03:03 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter, finding resolved. - Due Diligence Vendor-04/22/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/22/2026 <br> Resolved-Received evidence XX XXXXXX has not closed and is approved with conditions, finding resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-04/20/2026 - XX: Please see attached. The purchase of XX XXXXXX XXX XXXXXXX, XXX XXXX XXXXX via XXX Loan #XXXXXXXXXX has not closed. - Due Diligence Vendor-04/20/2026 <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 (XX XXXXXX) - Due Diligence Vendor-04/14/2026 |  | Resolved-Received rent free letter, finding resolved. - Due Diligence Vendor-04/22/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/22/2026 <br> Resolved-Received evidence XXXXXX has not closed and is approved with conditions, finding resolved. - Due Diligence Vendor-04/20/2026 |  | Resolved | 2026-04-22 10:06 | N/A C |
| 305078693 | XXXXX | XXXXXX | XXXXX | 2026-04-14 09:52 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-04/21/26 - XX: Please see the attached letter from the borrower clarifying their current living situation. The borrower lives rent-free and there is no current lease agreement in place. - Due Diligence Vendor-04/21/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 1003 application indicates no primary housing expense, a rent-free letter missing. LOX indicates co-borrower makes cash payments on his primary residence, a verification of rent to verify a 12-month payment history is missing. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received rent free letter, finding resolved. - Due Diligence Vendor-04/22/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/22/2026 <br> Resolved-Received evidence XXXXXX has not closed and is approved with conditions, finding resolved. - Due Diligence Vendor-04/20/2026 |  | Resolved | 2026-04-22 10:04 | N/A C |
| 305056356 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305071579 | XXXXX | XXXXXX | XXXXX | 2026-03-24 07:19 | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/07/2026 <br> Ready for Review-04/06 XX: Please see the attached document showing the business is active/good standing. - Due Diligence Vendor-04/06/2026 <br> Counter-Evidence of Good Standing provided is not dated within 120 days, finding remains - Due Diligence Vendor-03/31/2026 <br> Ready for Review-03/31 XX: Please see the attached document showing the evidence of good standing for the XXX. - Due Diligence Vendor-03/31/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/24/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-04/07/2026<br>|  | Resolved | 2026-04-07 13:20 | N/A D |
| 305071579 | XXXXX | XXXXXX | XXXXX | 2026-03-24 07:45 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received evidence of rent payments, finding resolved. - Due Diligence Vendor-03/31/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-03/31 : XX Please see attached email showing that this file was granted an exception for the rent history. - Due Diligence Vendor-03/31/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Only 2 months of rent history provided, 4 months of rent history missing - Due Diligence Vendor-03/24/2026 |  | Resolved-Received evidence of rent payments, finding resolved. - Due Diligence Vendor-03/31/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/31/2026<br>|  | Resolved | 2026-03-31 10:18 | N/A C |
| 305066773 | XXXXX | XXXXXX | XXXXX | 2026-03-23 05:37 | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026 <br> Counter-Reviewed Lender's rebuttal regarding the check for $XX,XXX sent directly to the title company; however, there is no documentation the check ever cleared the account. Finding remains - Due Diligence Vendor-03/31/2026 <br> Ready for Review-3/31 XX: The EMD is only $XXX which documentation in the file shows that left the checking account ending inXXXX. The investor is not taking into account the borrower withdrew funds in the amount of $XX,XXX that was sent directly to title. Please see check and receipt from title. - Due Diligence Vendor-03/31/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XX,XXX is insufficient for EMD of $XX,XXX, funds to close of $X,XXX.XX and reserves of $XXXX.XX. - Due Diligence Vendor-03/23/2026 |  | Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026<br>|  | Resolved | 2026-04-03 13:00 | N/A C |
| 305066773 | XXXXX | XXXXXX | XXXXX | 2026-03-22 11:55 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/03/2026 <br> Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026 <br> Counter-Reviewed Lender's rebuttal regarding the check for $XX,XXX sent directly to the title company; however, there is no documentation the check ever cleared the account. Finding remains - Due Diligence Vendor-03/31/2026 <br> Ready for Review-3/31 XX: The EMD is only $XXX which documentation in the file shows that left the checking account ending in XXXX. The investor is not taking into account the borrower withdrew funds in the amount of $XX,XXX that was sent directly to title. Please see check and receipt from title. - Due Diligence Vendor-03/31/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Verified assets of $XX,XXX is insufficient for EMD of $XX,XXX, funds to close of $X,XXX.XX and reserves of $X,XXX.XX. - Due Diligence Vendor-03/22/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/03/2026 <br> Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026 |  | Resolved | 2026-04-03 12:59 | N/A C |
| 305066773 | XXXXX | XXXXXX | XXXXX | 2026-03-22 12:05 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026 <br> Resolved-Audited Reserves of 5.56 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-4/2 XX: The funds were withdrawn from the borrowers HELOC. Please see attached statement - Due Diligence Vendor-04/02/2026 <br> Counter-Reviewed Lender's rebuttal regarding the check for $XX,XXX sent directly to the title company; however, there is no documentation the check ever cleared the account. Finding remains - Due Diligence Vendor-03/31/2026 <br> Ready for Review-3/31 XX: The EMD is only $XXX which documentation in the file shows that left the checking account ending in XXXX. The investor is not taking into account the borrower withdrew funds in the amount of $XX,XXX that was sent directly to title. Please see check and receipt from title. - Due Diligence Vendor-03/31/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. Verified assets of $XX,XXX is insufficient for EMD of $XX,XXX, funds to close of $X,XXX.XX and reserves of $XXXX.XX. - Due Diligence Vendor-03/26/2026 |  | Resolved-Earnest money verified from HELOC, sufficient funds verified for closing costs and reserves, finding resolved. - Due Diligence Vendor-04/03/2026 <br>Resolved-Audited Reserves of 5.56 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/03/2026<br>|  | Resolved | 2026-04-03 12:58 | N/A C |
| 305078692 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305091913 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057850 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077180 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305099164 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305064746 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305061184 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305082993 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078465 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305063363 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069090 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305056351 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069971 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077117 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305076898 | XXXXX | XXXXXX | XXXXX | 2026-04-07 14:05 | Credit | Eligibility | Seasoning Requirements Not Met | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-4/9 XX: Please see attached investor exception that was approved - Due Diligence Vendor-04/09/2026 <br> Open-The property is held in an XXX owned 50/50 between borrower and non-borrowing spouse. Loan closed vested in the XXX. Lender exception in file for exception to be made to consider the time held in the XXX towards the seasoning requirements as the borrower does not have majority ownership. An approved pre-close exception in the file as required per the client is missing. - Due Diligence Vendor-04/07/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/10/2026<br>| 734 FICO >680 minimum, 64.52% LTV < 70% maximum | Waived | 2026-04-10 09:20 | Originator Pre-Close B |
| 305078906 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305075888 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079233 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088580 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305089729 | XXXXX | XXXXXX | XXXXX | 2026-04-20 09:35 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided reflects interest-only loan payments with a balloon ending XX/XXXX. Additionally, proof of the XX/XXXX and XX/XXXX payments were provided, finding resolved. - Due Diligence Vendor-04/27/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-04/24 XXX: Please see the attached documentation to support the payment history of the subject property. Note that this loan was purchased in XX/XXXX, as evidenced by the attached settlement statement. Additionally, the note supports the monthly payment amounts and confirms that it is interest-only due to the borrower having a balloon note. The first payment listed is on XX/XX/XXXX, which can be found on page 1 of the note, section 2.1. I have also provided proof of the XXXXXXXX payment from the assets, showing an amount of $XXXX on XX/XX/XXXX. Furthermore, the provided payoff statement supports that the XXXXX payment was made based on the interest collected and the total per diem. Based on the documentation all payments since the purchase of the property have been made. - Due Diligence Vendor-04/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject Property Housing payment history is missing. - Due Diligence Vendor-04/20/2026 |  | Resolved-Documentation provided reflects interest-only loan payments with a balloon ending 6/2026. Additionally, proof of the 2/2026 and 3/2026 payments were provided, finding resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026<br>|  | Resolved | 2026-04-27 13:51 | N/A C |
| 305067109 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305080629 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305083348 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305083347 | XXXXX | XXXXXX | XXXXX | 2026-04-13 11:18 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Ready for Review-4/28 XX: Please see the attached supporting documentation showing the borrower owns XXXXX and has access to the funds. - Due Diligence Vendor-04/28/2026 <br> Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX XXXXXXXX XXXXXXXXXX XXX assets. - Due Diligence Vendor-04/27/2026 <br> Counter-Update to guideline overlays allows for the use of business assets for reserves when borrower is 100% owner of the business. Assets are listed as XXXXXX XXXXXXXX XXXXXXXXXX XXX. Unable to confirm borrower's ownership. Unable to utilize assets for reserves. Condition remains - Due Diligence Vendor-04/22/2026 <br> Counter-Bank statements in file are in the name of a business that does not match the borrowing entity and the loan file is missing documentation showing the borrower is the owner of the business or has access to the funds. Further, guideline overlays do not allow the use of business assets for reserves. Finding remains - Due Diligence Vendor-04/16/2026 <br> Ready for Review-4/16 XX: Please note that the investor guidelines state that funds from a business account may be used for funds to close and reserves, as long as documentation is in the file supporting the borrower's percentage of ownership interest. Additionally, if the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. Based on this guidance, the business funds are acceptable. - Due Diligence Vendor-04/16/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) The only assets verified in file are depository statements with XXXX XX XXXXXXX in the name of XXXXXX XXXXXXXX XXXXXXXXXX XXX. No evidence found in file to support the borrower owns or has access to these asset<br> - Due Diligence Vendor-04/13/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXX assets. - Due Diligence Vendor-04/27/2026 |  | Acknowledged | 2026-04-29 16:54 | Investor Post-Close B |
| 305083347 | XXXXX | XXXXXX | XXXXX | 2026-04-06 13:33 | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Ready for Review-4/28 XX: Please see the attached supporting documentation showing the borrower owns XXXXXX and has access to the funds. - Due Diligence Vendor-04/28/2026 <br> Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX XXXXXXXX XXXXXXXXXX XXX assets. - Due Diligence Vendor-04/27/2026 <br> Counter-Update to guideline overlays allows for the use of business assets for reserves when borrower is 100% owner of the business. Assets are listed as XXXXXX XXXXXXXX XXXXXXXXXX XXX. Unable to confirm borrower's ownership. Unable to utilize assets for reserves. Condition remains - Due Diligence Vendor-04/22/2026 <br> Counter-Bank statements in file are in the name of a business that does not match the borrowing entity and the loan file is missing documentation showing the borrower is the owner of the business or has access to the funds. Further, guideline overlays do not allow the use of business assets for reserves. Finding remains - Due Diligence Vendor-04/16/2026 <br> Ready for Review-4/16 XX: Please note that the investor guidelines state that funds from a business account may be used for funds to close and reserves, as long as documentation is in the file supporting the borrower's percentage of ownership interest. Additionally, if the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. Based on this guidance, the business funds are acceptable. - Due Diligence Vendor-04/16/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Insufficient asset documentation in file - assets do not cover closing costs because, the provided bank statement XXX is differ from borrower provided operating agreement , and not having letter to verify to access the asset from XXXX#XXXX - Due Diligence Vendor-04/06/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX assets. - Due Diligence Vendor-04/27/2026 |  | Acknowledged | 2026-04-29 16:54 | Investor Post-Close B |
| 305083347 | XXXXX | XXXXXX | XXXXX | 2026-04-06 13:33 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Ready for Review-4/28 XX: Please see the attached supporting documentation showing the borrower owns XXXXXX and has access to the funds. - Due Diligence Vendor-04/28/2026 <br> Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX XXXXXXXX XXXXXXXXXX XXX assets. - Due Diligence Vendor-04/27/2026 <br> Counter-Update to guideline overlays allows for the use of business assets for reserves when borrower is 100% owner of the business. Assets are listed as XXXXXX XXXXXXXX XXXXXXXXXX XXX. Unable to confirm borrower's ownership. Unable to utilize assets for reserves. Condition remains - Due Diligence Vendor-04/22/2026 <br> Counter-Bank statements in file are in the name of a business that does not match the borrowing entity and the loan file is missing documentation showing the borrower is the owner of the business or has access to the funds. Further, guideline overlays do not allow the use of business assets for reserves. Finding remains - Due Diligence Vendor-04/16/2026 <br> Ready for Review- 4/16 XX: Please note that the investor guidelines state that funds from a business account may be used for funds to close and reserves, as long as documentation is in the file supporting the borrower's percentage of ownership interest. Additionally, if the loan will close vested in the same business entity as named on the business statement(s), the assets may be used without an access letter from the non-borrowing owners. Based on this guidance, the business funds are acceptable. - Due Diligence Vendor-04/16/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount because the provided bank statement XXX is differ from borrower provided operating agreement , and not having letter to verify to access the asset from XXXX#XXXX - Due Diligence Vendor-04/06/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX assets. - Due Diligence Vendor-04/27/2026 |  | Acknowledged | 2026-04-29 16:53 | Investor Post-Close B |
| 305082990 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305083346 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305067637 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305080597 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078904 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069139 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079860 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078245 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305082988 | XXXXX | XXXXXX | XXXXX | 2026-04-15 11:12 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Obtained documentation reflecting new loan is still pending, finding resolved. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-4/20 XX: Please see thet attached incomeplete application letter sent XX/XX/XXXX supporitng the REO located at XXXX has not been closed yet. - Due Diligence Vendor-04/20/2026 <br> Open-1003 application discloses an additional REO property located at XXXX XXXXXX XXXXXXXXXX XXXXX that was financed by new mortgage with the lender. Copy of the Note, Final Closing Disclosure, or Mortgage Payment History for this additional Real Estate Owned is missing. <br> - Due Diligence Vendor-04/15/2026 |  | Resolved-Obtained documentation reflecting new loan is still pending, finding resolved. - Due Diligence Vendor-04/21/2026<br>|  | Resolved | 2026-04-21 11:17 | N/A D |
| 305084672 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305071214 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305076212 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079789 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305074530 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085983 | XXXXX | XXXXXX | XXXXX | 2026-04-16 18:23 | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22 XX: Please see the attached document showing that the properties are owned by an XXX which means the mortgage does not belong to the borrower so no history will be available. - Due Diligence Vendor-04/22/2026 <br> Open-A verification of mortgage for REO 3d (XXX XXXX) and REO 3g (XXXXXXXXXX) is missing. - Due Diligence Vendor-04/16/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 13:18 | N/A D |
| 305074528 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305082985 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305082984 | XXXXX | XXXXXX | XXXXX | 2026-04-17 14:03 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation received showing no payments due for REO properties on XXXXXX, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/23 XXX: Please see the attached documentation. I've provided the final CD/Note for XXXX XXXX XX as it was a recent transaction. the Property located at XXXX is currently an active file and it has not closed yet. Please see the attached approval letter to support the loan in active status, but it has not closed so there is no mortgage history for this property. - Due Diligence Vendor-04/23/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM not found for investment 2 properties, XXXX XXXXXX XXX and XXXX XXXX XX shown on Loan Application pg. 365. - Due Diligence Vendor-04/17/2026 |  | Resolved-Documentation received showing no payments due for REO properties on XXXXXX, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/23/2026 |  | Resolved | 2026-04-23 15:25 | N/A C |
| 305077114 | XXXXX | XXXXXX | XXXXX | 2026-05-21 13:17 | 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-05/21/2026 |  | 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-05/21/2026<br>|  | Acknowledged | 2026-05-21 13:17 | Investor Post-Close B A |
| 305077113 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077112 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077108 | XXXXX | XXXXXX | XXXXX | 2026-04-13 14:00 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Notes and Closing Disclosures received reflecting no payments due until XX/XXXX, finding resolved. - Due Diligence Vendor-04/16/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-04/16 XX: Please see the attached documentation. I've attached the final CD's and notes for the properties located at XXXX XXXXXXXXXX XXXXX and XXXXX XXXXXXXX XXXXX. - Due Diligence Vendor-04/16/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 1003 application discloses 2 additional REO properties, identified as XXXX XXXXXXXXXX XXXXX and XXXX XXXXXXXX XXXXX, financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br> - Due Diligence Vendor-04/13/2026 |  | Resolved-Notes and Closing Disclosures received reflecting no payments due until 5/2026, finding resolved. - Due Diligence Vendor-04/16/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/16/2026<br>|  | Resolved | 2026-04-16 11:35 | N/A C |
| 305077107 | XXXXX | XXXXXX | XXXXX | 2026-04-10 08:22 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copies of Notes and Closing Disclosures provided showing no payment histories are due, finding resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-04/15/26 - XX: Please see attached. - Due Diligence Vendor-04/15/2026 <br> Open-1003 application discloses 2 additional REO properties, identified as XXXX XXXXXXXX XXXXX and XXXX XXXXXXXX XXXXX, financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br>- Due Diligence Vendor-04/10/2026 |  | Resolved-Copies of Notes and Closing Disclosures provided showing no payment histories are due, finding resolved. - Due Diligence Vendor-04/16/2026<br>|  | Resolved | 2026-04-16 09:27 | N/A D |
| 305078464 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088579 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305080623 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305084670 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305086719 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079313 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096822 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305094577 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305080615 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305086718 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305071572 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305094986 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088220 | XXXXX | XXXXXX | XXXXX | 2026-04-20 14:00 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-12- month payment history for primary residence was provided, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-04/23 XX: Please see the attached credit report showing 12 months payment and the mortgage statement showing XX/XXXX was paid for XX XXXXX XXXXXX. - Due Diligence Vendor-04/23/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing a 12-month verification of mortgage for borrower's property at XXXXX XX. - Due Diligence Vendor-04/20/2026 |  | Resolved-12- month payment history for primary residence was provided, finding resolved. - Due Diligence Vendor-04/24/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/24/2026<br>|  | Resolved | 2026-04-24 13:02 | N/A C |
| 305085977 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305084601 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305087053 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305091911 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096820 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305049366 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305029230 | XXXXX | XXXXXX | XXXXX | 2026-01-22 12:55 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by XXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/04/26 - XX: Please see the attached pay histories for each property. The mortgage on XX XXXXX XX is held in the name of XXX XXXX XXX. The borrower is not personally obligated to any debts associated with this property. - Due Diligence Vendor-02/04/2026 <br> Open-1003 application indicates REO properties 3a, 3b, 3c, 3d, 3e, 3h with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties 3a, 3b, 3c, 3d, 3e, 3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 10:49 | N/A D |
| 305069080 | XXXXX | XXXXXX | XXXXX | 2026-03-30 11:50 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-04/07/26 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached Final Settlement Statement dated XX/XX/XXXX and the source of funds used to purchase the subject. The subject was purchased along with several other properties on XX/XX/XXXX. - Due Diligence Vendor-04/07/2026 <br> Open-Audited HCLTV of 80% exceeds guideline HCLTV of 75% allowed by client overlays. - Due Diligence Vendor-03/30/2026 |  | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026<br>|  | Resolved | 2026-04-08 16:44 | N/A C |
| 305069080 | XXXXX | XXXXXX | XXXXX | 2026-03-30 11:50 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-04/07/26 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached Final Settlement Statement dated XX/XX/XXXX and the source of funds used to purchase the subject. The subject was purchased along with several other properties on XX/XX/XXXX. - Due Diligence Vendor-04/07/2026 <br> Open-Audited CLTV of 80% exceeds guideline CLTV of 75% allowed by client overlays. - Due Diligence Vendor-03/30/2026 |  | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026<br>|  | Resolved | 2026-04-08 16:43 | N/A C |
| 305069080 | XXXXX | XXXXXX | XXXXX | 2026-03-30 11:50 | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-04/07/26 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached Final Settlement Statement dated XX/XX/XXXX and the source of funds used to purchase the subject. The subject was purchased along with several other properties on XX/XX/XXXX. - Due Diligence Vendor-04/07/2026 <br> Open-Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays. Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays for a cash out refinance. - Due Diligence Vendor-04/02/2026 |  | Resolved-Documentation provided confirms transaction was delayed financing which is underwritten and priced as a rate/term refinance. Delayed financing guidelines met, finding resolved. - Due Diligence Vendor-04/08/2026<br>|  | Resolved | 2026-04-08 16:43 | N/A C |
| 305065862 | XXXXX | XXXXXX | XXXXX | 2026-03-31 07:11 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Updated guideline overlays allow the use of business assets for reserves when borrower is 100% owner of the business. Finding resolved - Due Diligence Vendor-04/28/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/28/2026 <br> Ready for Review-4/27 XXX: Per the investor call on XX/XX with XXX, XXXX, and XXX, XXX confirmed that business assets were eligible to be used for reserves. - Due Diligence Vendor-04/27/2026 <br> Counter-Asset Eligibility Notes (section 11) of client overlays document states that business assets cannot be used as reserves, finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-4/3 XXX: Please note that the investor guidelines state that "The following items are acceptable sources for reserves: the full value of any non-retirement liquid asset the Borrower has available for withdrawal from any financial institution or brokerage." It was documented on file that the borrower has 100% ownership of XXX XXXXXXXXXX XXX, therefore, they have access to the funds within the XXXXXX XXXX XX accounts, and they can be used towards the required reserves. - Due Diligence Vendor-04/03/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Per lender overlay guidelines - Business assets cannot be used as reserves. - Due Diligence Vendor-03/31/2026 |  | Resolved-Updated guideline overlays allow the use of business assets for reserves when borrower is 100% owner of the business. Finding resolved - Due Diligence Vendor-04/28/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $1352452.13 is equal to or greater than Total Required Reserve Amount of $2716.89 - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-05-26 06:04 | N/A C |
| 305065862 | XXXXX | XXXXXX | XXXXX | 2026-03-31 07:13 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated guideline overlays allow the use of business assets for reserves when borrower is 100% owner of the business. Finding resolved - Due Diligence Vendor-04/28/2026 <br> Resolved-Audited Reserves of XXXX.XX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/28/2026 <br> Ready for Review-4/27 XXX: Per the investor call on XX/XXXX with XXX, XXXX, and XXX, XXX confirmed that business assets were eligible to be used for reserves. - Due Diligence Vendor-04/27/2026 <br> Counter-Asset Eligibility Notes (section 11) of client overlays document states that business assets cannot be used as reserves, finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-4/3 XXX: Please note that the investor guidelines state that "The following items are acceptable sources for reserves: the full value of any non-retirement liquid asset the Borrower has available for withdrawal from any financial institution or brokerage." It was documented on file that the borrower has 100% ownership of XXX XXXXXXXXXX XXX, therefore, they have access to the funds within the XXXXXX XXXX XX accounts, and they can be used towards the required reserves. - Due Diligence Vendor-04/03/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per lender overlay guidelines - Business assets cannot be used as reserves. - Due Diligence Vendor-03/31/2026 |  | Resolved-Updated guideline overlays allow the use of business assets for reserves when borrower is 100% owner of the business. Finding resolved - Due Diligence Vendor-04/28/2026 <br>Resolved-Audited Reserves of 1493.38 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-04-28 09:17 | N/A C |
| 305069723 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305058325 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305042038 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305060823 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305056347 | XXXXX | XXXXXX | XXXXX | 2026-03-09 06:25 | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Title Policy - Due Diligence Vendor-03/12/2026 <br> Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX Provided updated title commitment or closing instructions to the title company with the correct coverage amount. - Due Diligence Vendor-03/09/2026 |  | Resolved-Title Coverage Amount of $84000 is equal to or greater than Total Amount of Subject Lien(s) $84000 - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 11:42 | N/A C |
| 305060801 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305061538 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305061537 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305060658 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305066750 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305087677 | XXXXX | XXXXXX | XXXXX | 2026-04-19 08:25 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Based on update to guideline overlays, business asset can be used as reserves with evidence borrower is 100% owner of the business, finding resolved. - Due Diligence Vendor-04/24/2026 <br> Resolved-Audited Reserves of 26.12 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-04/23 XX: Per the agreed guidelines, funds from a business account may be used as funds to close and towards reserves. - Due Diligence Vendor-04/23/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. Business assets can't be used for reserves per lender overlay guidelines. - Due Diligence Vendor-04/19/2026 |  | Resolved-Based on update to guideline overlays, business asset can be used as reserves with evidence borrower is 100% owner of the business, finding resolved. - Due Diligence Vendor-04/24/2026 <br>Resolved-Audited Reserves of 26.12 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/24/2026<br>|  | Resolved | 2026-04-24 13:21 | N/A C |
| 305087677 | XXXXX | XXXXXX | XXXXX | 2026-04-19 08:24 | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/24/2026 <br> Ready for Review-04/23 XX: Per the agreed guidelines, funds from a business account may be used as funds to close and towards reserves. - Due Diligence Vendor-04/23/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Business assets can't be used for reserves per lender overlay guidelines. - Due Diligence Vendor-04/19/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $18528.84 is equal to or greater than Total Required Reserve Amount of $2128.2 - Due Diligence Vendor-04/24/2026<br>|  | Resolved | 2026-04-24 13:17 | N/A C |
| 305076266 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305053415 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057524 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069077 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057521 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305064034 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088391 | XXXXX | XXXXXX | XXXXX | 2026-04-21 13:20 | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/27/2026 <br> Ready for Review-04/24 XX: Please see the attached promissory note showing that the loan is a balloon loan so no payment will be available. - Due Diligence Vendor-04/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender guidelines require a 12 month pay history for any mortgage held by a private lender. Despite this requirement, no pay history was provided for the subject property. - Due Diligence Vendor-04/21/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/27/2026<br>|  | Resolved | 2026-04-27 15:37 | N/A D |
| 305087675 | XXXXX | XXXXXX | XXXXX | 2026-04-21 08:05 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided confirms borrower is not personally responsible for payments, finding resolved. - Due Diligence Vendor-04/27/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-04/24 XX: Please see the attached document showing the borrower is the XXX which means the borrower not obligated the on the mortgage. - Due Diligence Vendor-04/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject Property has mortgage, but mortgage statement is missing - Due Diligence Vendor-04/21/2026 |  | Resolved-Documentation provided confirms borrower is not personally responsible for payments, finding resolved. - Due Diligence Vendor-04/27/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/27/2026<br>|  | Resolved | 2026-04-27 15:46 | N/A C |
| 305085974 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305064967 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077103 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069721 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305096816 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305060648 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305064966 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305073507 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305063350 | XXXXX | XXXXXX | XXXXX | 2026-04-16 13:50 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22/2026 - XX: This is a delayed financing transaction, and the file is subject to rate & term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject on XX/XX/XXXX. - Due Diligence Vendor-04/22/2026 <br> Open-Audited HCLTV of 80% exceeds guideline HCLTV of 75% allowed by client overlays. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 14:02 | N/A C |
| 305063350 | XXXXX | XXXXXX | XXXXX | 2026-04-16 13:50 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22/2026 - XX: This is a delayed financing transaction, and the file is subject to rate & term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject on XX/XX/XXXX. - Due Diligence Vendor-04/22/2026 <br> Open-Audited CLTV of 80% exceeds guideline CLTV of 75% allowed by client overlays. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 14:01 | N/A C |
| 305063350 | XXXXX | XXXXXX | XXXXX | 2026-04-16 13:50 | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22/2026 - XX: This is a delayed financing transaction, and the file is subject to rate & term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject on XX/XX/XXXX. - Due Diligence Vendor-04/22/2026 <br> Open-Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received copy of settlement statement and source of funds as evidence transaction is delayed financing which is subject to R/T refinance parameters, finding resolved. - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 14:01 | N/A C |
| 305065473 | XXXXX | XXXXXX | XXXXX | 2026-04-01 10:19 | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received documentation that REO 3b is approved with conditions and has not closed, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/07/2026 <br> Ready for Review-4/6 XX: Please see attached approval letter that shows the loan is in approved with conditions and has not closed with XXX. There is no CD/Note to provide. - Due Diligence Vendor-04/06/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 application indicates REO properties #3b with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3b with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received documentation that REO 3b is approved with conditions and has not closed, finding resolved. - Due Diligence Vendor-04/07/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/07/2026<br>|  | Resolved | 2026-04-07 13:33 | N/A D |
| 305069075 | XXXXX | XXXXXX | XXXXX | 2026-04-03 07:00 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXX XXXXXXXXXXX XXX assets. - Due Diligence Vendor-04/23/2026 <br> Counter-Assets are listed as XXX XXXXXXXXXXX XXX. Documentation in the loan file reflects borrower is not 100% owner. Unable to utilize assets for reserves. Condition remains. - Due Diligence Vendor-04/22/2026 <br> Counter-Reviewed lender's response regarding an exception; however, an approved exception form containing compensating factors was not uploaded. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 769, & borrower does have more than enough funds in business account to cover the cash to close amount.<br> - Due Diligence Vendor-04/15/2026 <br> Counter-Reviewed lender's response regarding using only business assets for cash to close. Per the guideline overlays, business assets cannot be used for reserves; therefore, asset 2 is needed to meet the reserve requirement. Guides require 2 months of bank statements but only one month of statements provided for asset #2. Finding remains - Due Diligence Vendor-04/13/2026 <br> Ready for Review-4/10 XX: The borrowers are only using business assets for cash to close. There is no asset#2 - Due Diligence Vendor-04/10/2026 <br> Counter-The documentation uploaded is for asset #1. The statement in file for asset #2 covers one month from XX/XX/XXXX to XX/XX/XXXX. Finding remains - Due Diligence Vendor-04/08/2026 <br> Ready for Review-4/8 XX: The transaction history in the file starts from XX/XX/XXXX-XX/XX/XXXX. We also have the bank statement from XX/XX/XXXX. Between the transaction history and bank statement on file we do have 60 days documented. - Due Diligence Vendor-04/08/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Borrower's personal assets are missing an additional bank statement. Only 1 statement is in the file. Assets must be sourced/seasoned for 60 days (Or 2 months). - Due Diligence Vendor-04/03/2026 |  | Waived-Updated client Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXXXXX assets. - Due Diligence Vendor-04/23/2026 | Purchase Criteria allows business assets to be utilized for reserves on business purpose loans where borrower is 100% owner. Client approved use of XXX XXXXXXXXXXXX XXX assets. | Waived | 2026-05-21 13:30 | Investor Post-Close B |
| 305073573 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078458 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078891 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069550 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079777 | XXXXX | XXXXXX | XXXXX | 2026-04-17 09:40 | Credit | Missing Doc | Missing Documentation 1 | Resolved-Documentation received for REO's showing no payments are due, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22 XX: Please see the attached document for 187 and 52 showing the final closing disclosure. Property XXX XXXXX still in underwriting status and has not moved to clear to close yet so no final disclosure is available. - Due Diligence Vendor-04/22/2026 <br> Open-1003 application discloses 3 additional REO properties, identified as XXX XXXXXX XXXXXX, XXX XXXXX XXXXXX, and XX XXX XXXXXX, that were financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing. <br> - Due Diligence Vendor-04/17/2026 |  | Resolved-Documentation received for REO's showing no payments are due, finding resolved. - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 12:14 | N/A D |
| 305069074 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305094500 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088573 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305100557 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305087673 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305086706 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305078929 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079222 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079221 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305094499 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079776 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305073501 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305083270 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305098364 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305083343 | XXXXX | XXXXXX | XXXXX | 2026-04-16 11:58 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received copy of Note showing no monthly payments due through maturity, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22 XX: Please see the note showing the entire outstanding principal balance plus interest and fees are due upon the earlier of the sale or transfer of the property to a third-party purchaser, or XX/XX/XXXX [2].<br> - Due Diligence Vendor-04/22/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is missing for Subject property - Due Diligence Vendor-04/16/2026 |  | Resolved-Received copy of Note showing no monthly payments due through maturity, finding resolved. - Due Diligence Vendor-04/23/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-04/23/2026<br>| Verification of Mortgage (VOM) required for Subject property | Resolved | 2026-04-23 15:11 | N/A C |
| 305083343 | XXXXX | XXXXXX | XXXXX | 2026-04-16 10:23 | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated 1003 showing correct primary address, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-04/22 XX: Please see the attached loan application showing the correct primary history for the file. - Due Diligence Vendor-04/22/2026 <br> Open-Subject Property Address-"XXXX XXXXXXX XXXXXX" Primary Address-"XXX XXXXXXXXX XXXX" condition added as per channel advise<br>1003 application indicates the subject property as the current address, as per Section 3 i considered Subject address and Primary Address<br> - Due Diligence Vendor-04/16/2026 |  | Resolved-Received updated 1003 showing correct primary address, finding resolved. - Due Diligence Vendor-04/23/2026<br>|  | Resolved | 2026-04-23 15:09 | N/A D |
| 305088571 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305076201 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085971 | XXXXX | XXXXXX | XXXXX | 2026-04-23 11:47 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-04/27 XX : Please see the attached document showing delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations - Due Diligence Vendor-04/27/2026 <br> Open-Audited HCLTV of 80% exceeds guideline HCLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 75%. However, the current HCLTV of the subject is 80%. - Due Diligence Vendor-04/23/2026 |  | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-04-28 10:35 | N/A C |
| 305085971 | XXXXX | XXXXXX | XXXXX | 2026-04-23 11:47 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-04/27 XX : Please see the attached document showing delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations - Due Diligence Vendor-04/27/2026 <br> Open-Audited CLTV of 80% exceeds guideline CLTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 75%. However, the current CLTV of the subject is 80%. - Due Diligence Vendor-04/23/2026 |  | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-04-28 10:34 | N/A C |
| 305085971 | XXXXX | XXXXXX | XXXXX | 2026-04-23 11:47 | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-04/27 XX : Please see the attached document showing delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations - Due Diligence Vendor-04/27/2026 <br> Open-Audited LTV of 80% exceeds guideline LTV of 75% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 75%. However, the current LTV of the subject is 80%. - Due Diligence Vendor-04/23/2026 |  | Resolved-Loan meets delayed financing parameters, finding resolved. - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-04-28 10:34 | N/A C |
| 305089883 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305069722 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305077681 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305091031 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085970 | XXXXX | XXXXXX | XXXXX | 2026-04-16 17:12 | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Title Commitment - Due Diligence Vendor-04/27/2026 <br> Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-04/16/2026 |  | Resolved-Title Coverage Amount of $100000 is equal to or greater than Total Amount of Subject Lien(s) $100000 - Due Diligence Vendor-04/28/2026<br>|  | Resolved | 2026-04-28 09:30 | N/A C |
| 305094924 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305088570 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079300 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305094571 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305079853 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305085968 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305087048 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305046133 | XXXXX | XXXXXX | XXXXX | 2026-03-06 11:04 | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received copies of final Closing Disclosures for properties on XXXX XXXXX and XXXXXXXXX XXXXX, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-03/12/2026 <br> Open-Missing a 12-month housing history for REOs XXX XXXXXXXXX XX and XXX XXXX XX, if properties are owned free and clear, supporting documentation are missing. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received copies of final Closing Disclosures for properties on XXXXXX and XXXXXX, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/12/2026 |  | Resolved | 2026-03-12 18:02 | N/A D |
| 305039527 | XXXXX | XXXXXX | XXXXX | 2026-02-02 15:15 | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided for appraisal. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached e-consent audit - Due Diligence Vendor-02/04/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/02/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided for appraisal. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-05-26 05:59 | N/A C |
| 305039527 | XXXXX | XXXXXX | XXXXX | 2026-02-02 15:14 | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. Finding resolved - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached E-Consent Audit - Due Diligence Vendor-02/04/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/02/2026 |  | Resolved-E-Consent documentation for borrower provided. Finding resolved - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 07:09 | N/A C |
| 305039527 | XXXXX | XXXXXX | XXXXX | 2026-02-02 15:16 | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-lender provided disclosure tracker showing the borrower e-signed on XX/XX/XXXX, which concurrent with the initial CD, finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached XX/XX CD Audit - Due Diligence Vendor-02/04/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-02/02/2026 |  | Resolved-lender provided disclosure tracker showing the borrower e-signed on 11/18/25, which concurrent with the initial CD, finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/13/2026<br>|  | Resolved | 2026-02-13 07:07 | N/A C |
| 305039526 | XXXXX | XXXXXX | XXXXX | 2026-02-03 13:50 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited DSCR of 0.681 is below guideline minimum of 1 Lender Qualified the DSCR ratio is 0.63. #284 - Due Diligence Vendor-02/04/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:34 | Investor Post-Close B |
| 305039525 | XXXXX | XXXXXX | XXXXX | 2026-02-03 23:28 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Open-Audited FICO of 684 is less than Guideline FICO of 700 as per client overlay. - Due Diligence Vendor-02/09/2026 |  | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>| 90 months reserves | Waived | 2026-02-16 13:08 | Investor Post-Close B |
| 304865503 | XXXXX | XXXXXX | XXXXX | 2026-02-15 16:50 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a Rate/Term Refinance. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:57 | Investor Post-Close B |
| 304865503 | XXXXX | XXXXXX | XXXXX | 2026-02-15 16:50 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:57 | Investor Post-Close B |
| 304865503 | XXXXX | XXXXXX | XXXXX | 2026-02-15 16:50 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:56 | Investor Post-Close B |
| 304865498 | XXXXX | XXXXXX | XXXXX | 2026-03-03 09:06 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Exception Uploaded - Due Diligence Vendor-03/11/2026 <br> Open-The loan file is missing documentation of the following large deposits: $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. NOTE: These are the same amounts of the gift funds; however, gift funds were wired directly to the settlement agent as reflected on the final Closing Disclosure dated XX/XX/XXXX. - Due Diligence Vendor-03/03/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO 792<br> Residual income of $X,XXX+<br> Self-employed since XXXX and in the same profession for 15 years<br> Subject is new construction with supported value. Borrower has built-in equity, sales price $XXX,XXX and appraised value $XXX,XXX | Waived | 2026-03-12 15:34 | Originator Post-Close D B |
| 304865498 | XXXXX | XXXXXX | XXXXX | 2026-03-03 08:50 | Credit | Assets | Asset General | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Exception Uploaded - Due Diligence Vendor-03/11/2026 <br> Open-There were two gift letters for the amounts of $X,XXX.XX and $X,XXX.XX from the same donor. One gift letter for the $X,XXX.XX gift indicates relationship of brother, while the other gift letter indicates a relationship of friend. Gift funds from friends are not acceptable. - Due Diligence Vendor-03/03/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO 792<br> Residual income of $X,XXX+<br> Self-employed since XXXX and in the same profession for 15 years<br> Subject is new construction with supported value. Borrower has built-in equity, sales price $XXX,XXX and appraised value $XXX,XXX | Waived | 2026-03-12 15:33 | Originator Post-Close B |
| 304865498 | XXXXX | XXXXXX | XXXXX | 2026-02-27 12:53 | Credit | Missing Doc | Missing Mortgage Riders - 1-4 Family Rider | Resolved-The 1-4 Family/Assignment of Rents and Leases Rider was provided. Condition cleared. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-This loan has a Rider called "Assignment of Leases and Rents Rider" vs the 1-4 rider. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-03/11/2026 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-03/02/2026 |  | Resolved-The 1-4 Family/Assignment of Rents and Leases Rider was provided. Condition cleared. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 15:18 | N/A D |
| 304865498 | XXXXX | XXXXXX | XXXXX | 2026-03-03 08:34 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br> Open-Audited Reserves of 5.79 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX less cash to close per Closing Disclosure $XX,XXX.XX equals $XX,XXX.XX or 5.79 months which is less than the required reserves of $XX,XXX.XX or 6 months per client overlay guidelines. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:51 | Investor Post-Close B |
| 304865498 | XXXXX | XXXXXX | XXXXX | 2026-02-27 13:48 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br> Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. As per client overlay, LTV is 80% for maximum loan amount XX for Fico Score 660. Client lender overlay guidelines requires a maximum LTV of 80V%. However, the current LTV of the subject is 80%. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:50 | Investor Post-Close B |
| 304865480 | XXXXX | XXXXXX | XXXXX | 2026-02-14 16:52 | Compliance | Disclosure | HUD Sales price does not match Purchase Agreement | Resolved-Received addendum to purchase contract reflecting purchase price of $X,XXX,XXX. Finding resolved - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please see attached purchase agreement - Due Diligence Vendor-03/13/2026 <br> Open-An addendum to the purchase contract with a revised purchase price of $X,XXX,XXX is missing. - Due Diligence Vendor-02/14/2026 |  | Resolved-Received addendum to purchase contract reflecting purchase price of $1,345,000. Finding resolved - Due Diligence Vendor-03/13/2026<br>|  | Resolved | 2026-03-13 16:04 | N/A C |
| 304865480 | XXXXX | XXXXXX | XXXXX | 2026-02-15 18:52 | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026 <br>Open-Audited DSCR of 0.558 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.558 is below client overlay minimum of 1. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:55 | Investor Post-Close B |
| 304865480 | XXXXX | XXXXXX | XXXXX | 2026-02-13 17:12 | Credit | Missing Doc | Missing Business Purpose Affidavit | Acknowledged-As this is a purchase transaction of an investment property, we'd opine the affidavit is not needed and the condition can be cancelled.. Client acknowledged - Due Diligence Vendor-03/05/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-As this is a purchase transaction of an investment property, we'd opine the affidavit is not needed and the condition can be cancelled.. Client acknowledged - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 14:55 | Investor Post-Close D B |
| 305039524 | XXXXX | XXXXXX | XXXXX | 2026-02-03 13:04 | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 646 is less than Guideline FICO of 660 allowed by client overlays. Credit score of 646 is less than 660, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:32 | Investor Post-Close B |
| 305029948 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305029946 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305029945 | XXXXX | XXXXXX | XXXXX | 2026-02-12 15:12 | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see attached fraud - Due Diligence Vendor-02/18/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/12/2026 |  | Resolved-Fraud report provided, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 11:42 | N/A D |
| 305029945 | XXXXX | XXXXXX | XXXXX | 2026-02-12 15:58 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-FICO meets guides, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Audited FICO of 646 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Per Matrices for Accelerator DSCR 1-4 XXXX XXX is Acceptable - Due Diligence Vendor-02/18/2026 <br> Open-Audited FICO of 646 is less than Guideline FICO of 700 - Due Diligence Vendor-02/12/2026 |  | Resolved-FICO meets guides, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Audited FICO of 646 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 11:39 | N/A C |
| 305029944 | XXXXX | XXXXXX | XXXXX | 2026-02-17 15:45 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines require a maximum LTV of 80% for a purchase transaction. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:15 | Investor Post-Close B |
| 305039523 | XXXXX | XXXXXX | XXXXX | 2026-02-04 11:41 | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/12/2026 <br>Ready for Review-The Fraud Report that included OFAC was in file and I have attached. - Due Diligence Vendor-03/12/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/04/2026 |  | Resolved-Received Fraud report, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 16:19 | N/A D |
| 305039523 | XXXXX | XXXXXX | XXXXX | 2026-02-04 11:41 | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report with OFAC check, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/12/2026 <br>Ready for Review-The Fraud Report that included OFAC was in file and I have attached. - Due Diligence Vendor-03/12/2026 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-02/04/2026 |  | Resolved-Received Fraud Report with OFAC check, finding resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 16:18 | N/A C |
| 305039522 | XXXXX | XXXXXX | XXXXX | 2026-02-04 11:52 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guideline requires 12 months check along with VOR provided by landlord despite this requirement borrower has made few monthly payments in cash. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026 |  | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guideline requires 12 months check along with VOR provided by landlord despite this requirement borrower has made few monthly payments in cash. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026<br>| 1) 18 mos. reserves<br> 2) Fico 715<br> 3) LTV 65%<br> 4) DSCR 1.18 | Waived | 2026-02-04 11:52 | Originator Pre-Close B |
| 305029941 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305029940 | XXXXX | XXXXXX | XXXXX | 2026-02-15 15:30 | Credit | Eligibility | LTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited LTV of 85% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80% for a Rate/Term Refinance. However, the current LTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:13 | Investor Post-Close B |
| 305029940 | XXXXX | XXXXXX | XXXXX | 2026-02-15 15:30 | Credit | Eligibility | HCLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited HCLTV of 85% exceeds guideline HCLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum HCLTV of 80%. However, the current HCLTV of the subject is 80%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:13 | Investor Post-Close B |
| 305029940 | XXXXX | XXXXXX | XXXXX | 2026-02-15 15:30 | Credit | Eligibility | CLTV exceeds client overlay guidelines | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026 <br>Open-Audited CLTV of 85% exceeds guideline CLTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum CLTV of 80%. However, the current CLTV of the subject is 85%. - Due Diligence Vendor-02/15/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines so please downgrade. Client acknowledges and downgrades Finding - Due Diligence Vendor-03/05/2026<br>|  | Acknowledged | 2026-03-05 15:12 | Investor Post-Close B |
| 305029940 | XXXXX | XXXXXX | XXXXX | 2026-02-10 08:53 | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br>Open-A final 1003 is missing. - Due Diligence Vendor-02/15/2026 |  | Resolved-Final 1003 received, finding resolved. - Due Diligence Vendor-02/19/2026<br>|  | Resolved | 2026-02-19 10:52 | N/A D |
| 305039521 | XXXXX | XXXXXX | XXXXX | 2026-02-05 06:12 | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed final Closing Disclosure received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached Final CD. There is no Final HUD-1 - Due Diligence Vendor-02/18/2026 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-02/05/2026 |  | Resolved-Signed final Closing Disclosure received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-05-26 06:53 | N/A D |
| 305039521 | XXXXX | XXXXXX | XXXXX | 2026-02-05 06:50 | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock provided, finding resolved - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached lock confirmation - Due Diligence Vendor-02/11/2026 <br>Open-Missing evidence of rate lock - Due Diligence Vendor-02/05/2026 |  | Resolved-Evidence of rate lock provided, finding resolved - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-18 12:37 | N/A D |
| 305029932 | XXXXX | XXXXXX | XXXXX | 2026-02-10 09:22 | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff statement received, finding resolved. - Due Diligence Vendor-03/18/2026 <br> Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Please re-review, the payoff demand and the subject property address appears on the cover letter as well as the actual demand. There are 3 properties being paid off (was a blanket lien). - Due Diligence Vendor-03/17/2026 <br> Counter-The collateral address reflected on the payoff statement does not match the subject property address. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Payoff Statement attached. - Due Diligence Vendor-03/12/2026 <br> Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-02/10/2026 |  | Resolved-Payoff statement received, finding resolved. - Due Diligence Vendor-03/18/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-03/18/2026<br>|  | Resolved | 2026-03-18 08:33 | N/A D |
| 305060983 | XXXXX | XXXXXX | XXXXX | 2026-04-01 08:17 | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-04/03/2026 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-04/01/2026 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-04/06/2026<br>|  | Resolved | 2026-04-06 11:55 | N/A D |
| 305061517 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305039621 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305033650 | XXXXX | XXXXXX | XXXXX | 2026-03-16 10:18 | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-EIN on the bottom of the form - Due Diligence Vendor-03/26/2026 <br> Counter-Reviewed documents uploaded but Entity ID not contained within the documents. Finding remains - Due Diligence Vendor-03/25/2026 <br> Ready for Review-XXX Docs - Due Diligence Vendor-03/25/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-03/16/2026 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/27/2026<br>|  | Resolved | 2026-03-27 09:14 | N/A D |
| 305033650 | XXXXX | XXXXXX | XXXXX | 2026-03-20 12:42 | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating Agreement showing borrower is sole owner, finding resolved. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-LLC Docs - Due Diligence Vendor-03/25/2026 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received Operating Agreement showing borrower is sole owner, finding resolved. - Due Diligence Vendor-03/25/2026<br>|  | Resolved | 2026-03-25 16:00 | N/A D |
| 305063774 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305042225 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305057456 | XXXXX | XXXXXX | XXXXX | 2026-03-09 09:16 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Client acknowledged and downgraded with HOI currently in place. - Due Diligence Vendor-03/20/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-03/09/2026 |  | Acknowledged-Client acknowledged and downgraded with HOI currently in place. - Due Diligence Vendor-03/20/2026<br>|  | Acknowledged | 2026-03-20 18:54 | Investor Post-Close B |
| 305028985 | XXXXX | XXXXXX | XXXXX | 2026-03-09 06:21 | Credit | Missing Doc | Missing Purchase Contract | Resolved-Received Purchase Contract, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Purchase Contract provided. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached. - Due Diligence Vendor-03/10/2026 <br> Open-Missing Purchase Contract - Due Diligence Vendor-03/09/2026 |  | Resolved-Received Purchase Contract, finding resolved. - Due Diligence Vendor-03/10/2026 <br>Resolved-Purchase Contract provided. - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-03-23 16:04 | N/A D |
| 305028985 | XXXXX | XXXXXX | XXXXX | 2026-03-09 05:52 | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Please see attached. - Due Diligence Vendor-03/10/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/09/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-03-10 16:30 | N/A D |
| 305028985 | XXXXX | XXXXXX | XXXXX | 2026-03-09 05:42 | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Citizenship documentation received, finding resolved. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Please see attached. - Due Diligence Vendor-03/10/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/09/2026 |  | Resolved-Citizenship documentation received, finding resolved. - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-03-10 16:28 | N/A D |
| 305028985 | XXXXX | XXXXXX | XXXXX | 2026-03-09 05:59 | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached. - Due Diligence Vendor-03/10/2026 <br> Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/09/2026 |  | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-03/10/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/10/2026<br>|  | Resolved | 2026-03-10 16:27 | N/A D |
| 305034638 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305061713 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 304911027 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305053763 | XXXXX | XXXXXX | XXXXX | 2026-03-04 08:35 | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/25/2026 <br> Acknowledged-We are okay with redesignating the file as NonQM and clearing/downgrading this exception. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/23/2026 <br> Counter-This loan was submitted a QM; however, it fails the General Qualified Mortgage Loan Price-Based threshold and therefore, cannot be deemed QM. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Hello, Per team they were under the impression that XXX does allow this with impounds. Could you confirm if thats correct or not? thank you! - Due Diligence Vendor-03/13/2026 <br> Open-The loan's (9.047%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.35%), which is the comparable average prime offer rate of (6.1%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (9.0%) 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. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-03/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/25/2026 <br>Acknowledged-We are okay with redesignating the file as NonQM and clearing/downgrading this exception. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/23/2026<br>|  | Resolved | 2026-03-25 10:24 | N/A C |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-03-25 15:26 | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This is informational only. No further action is required. - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Please confirm all conditions are cleared and if anything else is needed. Thank you! - Due Diligence Vendor-04/21/2026 <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-03/25/2026 |  | Acknowledged-This is informational only. No further action is required. - Due Diligence Vendor-04/24/2026 <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-03/25/2026<br>|  | Acknowledged | 2026-04-24 07:40 | Investor Post-Close A |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-02-26 08:04 | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Guidelines allow for 89.99% LTV. Condition cleared. - Due Diligence Vendor-04/17/2026 <br> Counter-The XXX Signature Jumbo AUS Overlays-v5.0 LTV/FICO/Loan Amount Eligibility matrix states that rate & term refinances are limited to max 80% LTV. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please see attached rebuttal. Per AUS overlays LTV max is 89.99% with FICO 680 or higher. FICO is 700. - Due Diligence Vendor-03/06/2026 <br> Open-Audited LTV of 89.36% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80.00%. However, the current LTV of the subject is 89.36%. - Due Diligence Vendor-02/26/2026 |  | Resolved-Guidelines allow for 89.99% LTV. Condition cleared. - Due Diligence Vendor-04/17/2026<br>|  | Resolved | 2026-04-17 10:14 | N/A C |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-02-20 09:08 | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/25/2026 <br> Resolved-. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Please clear final condition for purchase. A -1pt LLPA was approved and added due to permit NonQM trade. Thank you! - Due Diligence Vendor-03/24/2026 <br> Counter-This loan was submitted a QM; however, it fails the General Qualified Mortgage Loan Price-Based threshold and; therefore, cannot be deemed QM. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please set due diligence as HPML as guidelines are met - Due Diligence Vendor-03/06/2026 <br> Open-The loan's (8.633%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.42%), which is the comparable average prime offer rate of (6.17%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.5%) 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. (12 CFR 1026.43(e)(2)(vi)(A)) Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.17%. The interest rate per the Note is 8.50%. - Due Diligence Vendor-02/26/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/25/2026 <br>Resolved-. - Due Diligence Vendor-03/25/2026<br>|  | Resolved | 2026-03-25 15:30 | N/A C |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-02-20 09:37 | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Received clarification from the Client that AUS loans may defer to AUS requirements. The DU did not require reserves. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-The lock is for XX XXXXXX Jumbo AUS Overlay Guidelines. Not XXX Signature Jumbo AUS. See attached lock. - Due Diligence Vendor-03/12/2026 <br> Counter-The XXX Signature Jumbo AUS Overlays-v5.0 state that the minimum reserve requirement is the greater of AUS requirements or as detailed in the LTV/FICO matrix. While the AUS doesn't require reserves, the LTV/FICO matrix indicate 9 months reserves are required. Condition retained. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please see attached rebuttal. Per AUS overlays reserves are based off of AUS which is $X. - Due Diligence Vendor-03/06/2026 <br> Open-Audited Reserves of 3.17 month(s) are less than Guideline Required Reserves of 9 month(s) allowed by client overlays. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received clarification from the Client that AUS loans may defer to AUS requirements. The DU did not require reserves. Condition cleared. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 08:50 | N/A C |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-02-19 16:55 | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached photo ID for B2. Expiration is XXXX. - Due Diligence Vendor-03/11/2026 <br> Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/19/2026 |  | Resolved-Borrower 2 photo ID expiration date is 04-29-2028 and note is dated 02-07-2026. - Due Diligence Vendor-03/12/2026<br>|  | Resolved | 2026-03-12 07:25 | N/A C |
| 305042026 | XXXXX | XXXXXX | XXXXX | 2026-02-26 08:04 | 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-02/26/2026 |  | 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-02/26/2026<br>|  | Acknowledged | 2026-02-26 08:04 | Investor Post-Close B A |
| 305070990 | XXXXX | XXXXXX | XXXXX | 2026-03-26 13:33 | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/27/2026 <br>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-03/26/2026 |  | Acknowledged-This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-05/27/2026 <br>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-03/26/2026<br>|  | Acknowledged | 2026-05-27 08:45 | Originator Post-Close B A |
| 305044937 | XXXXX | XXXXXX | XXXXX | 2026-02-13 11:59 | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Attached - Due Diligence Vendor-02/17/2026 <br>Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-02/13/2026 |  | Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026<br>|  | Resolved | 2026-02-17 19:25 | N/A C |
| 305044937 | XXXXX | XXXXXX | XXXXX | 2026-02-16 06:56 | 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-02/16/2026 |  | 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-02/16/2026<br>|  | Acknowledged | 2026-02-16 06:56 | Investor Post-Close B A |
| 304826854 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305013263 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305059726 | XXXXX | XXXXXX | XXXXX | 2026-03-24 14:03 | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-04/01/2026 <br>Ready for Review-please see attached this was already provided for an earlier stip - Due Diligence Vendor-03/31/2026 <br>Open-Title Document is missing - Due Diligence Vendor-03/24/2026 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-04/01/2026<br>|  | Resolved | 2026-04-01 16:02 | N/A D |
| 305059726 | XXXXX | XXXXXX | XXXXX | 2026-03-30 16:30 | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-XX 3/31 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-03/31/2026 <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-03/30/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-04/01/2026 <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-03/30/2026<br>|  | Acknowledged | 2026-04-01 15:59 | Investor Post-Close A |
| 305059726 | XXXXX | XXXXXX | XXXXX | 2026-03-26 13:23 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD dated XX/XX and proof of delivery. Condition cleared. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-XX 3/27 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 3 business days before the closing date of XX/XX - Due Diligence Vendor-03/27/2026 <br> Open-Missing Closing Disclosure corresponding to COC dated XX/XX/XXXX (rate lock). - Due Diligence Vendor-03/26/2026 |  | Resolved-Received CD dated 2/18 and proof of delivery. Condition cleared. - Due Diligence Vendor-03/30/2026<br>|  | Resolved | 2026-03-30 16:47 | N/A D |
| 305059726 | XXXXX | XXXXXX | XXXXX | 2026-03-24 14:18 | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received CD dated XX/XX and proof of delivery. Condition cleared. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-XX 3/27 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 3 business days before the closing date of XX/XX - Due Diligence Vendor-03/27/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Compliance will be re-reviewed upon receipt of the initial LCD. Additional<br> conditions may apply - Due Diligence Vendor-03/24/2026 |  | Resolved-Received CD dated 2/18 and proof of delivery. Condition cleared. - Due Diligence Vendor-03/30/2026<br>|  | Resolved | 2026-03-30 16:47 | N/A C |
| 305059726 | XXXXX | XXXXXX | XXXXX | 2026-03-24 14:18 | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-XXI 3/27 Disagree. This is a Cash-out 90 Product and is not subject to Qm - Due Diligence Vendor-03/27/2026 <br> Open-The loan's (8.545%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.35%), which is the comparable average prime offer rate of (6.1%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.25%) 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. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-03/24/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-03/30/2026<br>|  | Resolved | 2026-03-30 16:33 | N/A C |
| 305027513 | XXXXX | XXXXXX | XXXXX | 2026-02-08 16:42 | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree. This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/09/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/08/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/08/2026<br>|  | Acknowledged | 2026-02-10 13:20 | Investor Post-Close A |
| 305027513 | XXXXX | XXXXXX | XXXXX | 2026-01-12 10:27 | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/08/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/5: This has been relocked, please update to RP - Due Diligence Vendor-02/06/2026 <br> Escalated-. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/30: Please update to reflect as RP // - Due Diligence Vendor-01/30/2026 <br> Counter-Received a copy of the appraisal and proof of delivery. Condition remains. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15: Please see the attached // - Due Diligence Vendor-01/15/2026 <br> Open-The loan's (8.51%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.47%), which is the comparable average prime offer rate of (6.22%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.25%) 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. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-01/12/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/08/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/08/2026<br>|  | Resolved | 2026-02-08 16:45 | N/A C |
| 305027513 | XXXXX | XXXXXX | XXXXX | 2026-01-12 10:27 | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15: Please see the attached // - Due Diligence Vendor-01/15/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-01/12/2026 |  | Resolved-Received the initial CD. - Due Diligence Vendor-01/16/2026<br>|  | Resolved | 2026-01-16 14:44 | N/A C |
| 305029597 | XXXXX | XXXXXX | XXXXX | 2026-02-20 06:55 | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Initial Closing Disclosure - Due Diligence Vendor-02/27/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-02/20/2026 |  | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-03/02/2026 <br>Resolved- - Due Diligence Vendor-03/01/2026<br>|  | Resolved | 2026-03-01 18:08 | N/A C |
| 305029597 | XXXXX | XXXXXX | XXXXX | 2026-02-26 13:12 | 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-02/26/2026 |  | 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-02/26/2026<br>|  | Acknowledged | 2026-02-26 13:12 | Investor Post-Close B A |
| 305059736 | XXXXX | XXXXXX | XXXXX | 2026-03-27 15:32 | Credit | Eligibility | Transaction Ineligible | Resolved-50% is allowed per Purchase Criteria Guidelines. Condition cleared. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Per the UW: This investor goes up to a 50% DTI on their AUS product. Can you please have this condition re-reviewed. - Due Diligence Vendor-04/02/2026 <br>Open-Per Lender's guidelines, loans with DTI > 45% should have a QM Safe Harbor designation. The loan's DTI is 47.753%. The loan was locked as a non-QM loan. - Due Diligence Vendor-03/27/2026 |  | Resolved-50% is allowed per Purchase Criteria Guidelines. Condition cleared. - Due Diligence Vendor-04/08/2026<br>|  | Resolved | 2026-04-08 08:18 | N/A C |
| 305059736 | XXXXX | XXXXXX | XXXXX | 2026-03-27 15:30 | 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-03/27/2026 |  | 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-03/27/2026<br>|  | Acknowledged | 2026-03-27 15:30 | Investor Post-Close B A |
| 305026172 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |
| 305025996 | XXXXX | XXXXXX | XXXXX |  | NO FINDINGS | NO FINDINGS | NO FINDINGS |  |  |  |  | NO FINDINGS |  | A |

---

## Exhibit 99.40

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.40**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 305049366 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305063774 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029597 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C B |
| 305059736 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305042225 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057456 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304911027 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305053763 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C |
| 304826854 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304909048 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305076771 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A B |
| 304905200 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305077123 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305013263 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029240 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029270 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057553 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057552 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305070546 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305077122 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030627 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305053490 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096904 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096903 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096807 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096806 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305037873 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088228 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305061193 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305044594 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085899 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085898 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085897 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085896 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085895 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057709 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305054927 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305052642 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305054990 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305073584 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057708 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088402 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069975 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305057544 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077121 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078252 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305056846 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085894 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305059702 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305059726 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305078934 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305063736 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305078693 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305056356 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305071579 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305066773 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305078692 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305091913 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057850 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077180 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305099164 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305064746 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305061184 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305082993 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078465 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305063363 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069090 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305056351 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069971 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077117 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305076898 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305078906 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305075888 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079233 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088580 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305089729 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305067109 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305080629 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305083348 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305083347 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305082990 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305083346 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305067637 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305080597 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078904 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069139 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079860 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078245 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305082988 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305084672 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305071214 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305076212 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079789 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305074530 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085983 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305074528 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305082985 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305082984 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305077114 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A B |
| 305077113 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077112 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077108 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305077107 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305078464 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088579 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305080623 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305084670 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305086719 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079313 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096822 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305094577 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305080615 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305086718 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305071572 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305094986 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088220 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305085977 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305084601 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305087053 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305091911 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096820 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305027513 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C |
| 305029230 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305069080 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305065862 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305069723 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305058325 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305042038 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305060823 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305056347 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305060801 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305061538 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305061537 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305060658 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305066750 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305087677 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305076266 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305053415 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057524 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069077 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305057521 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305064034 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088391 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305087675 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305085974 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305064967 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077103 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069721 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305096816 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305060648 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305064966 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305073507 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305063350 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305065473 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305069075 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305073573 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078458 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078891 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069550 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079777 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305069074 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305094500 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088573 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305100557 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305087673 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305086706 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305078929 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079222 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079221 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305094499 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079776 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305073501 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305083270 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305098364 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305083343 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305088571 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305076201 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085971 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305089883 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305069722 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305077681 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305091031 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085970 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305094924 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305088570 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079300 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305094571 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305079853 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305085968 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305087048 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305046133 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305026172 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305025996 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305060983 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305061517 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039621 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305033650 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305028985 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305034638 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305061713 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305032472 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039585 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304866530 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304866503 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039584 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039583 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039582 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 304866480 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030497 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039581 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 305032470 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866451 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030495 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039579 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039578 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030493 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039577 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030490 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039576 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866417 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039575 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D C A B |
| 304866414 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866412 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX B A |
| 304866410 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039574 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C B |
| 304866402 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039573 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C D A |
| 305039572 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305030487 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039571 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305032469 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866336 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039570 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C B A |
| 305030484 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866248 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039569 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C |
| 304866235 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305030481 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304866173 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039568 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866114 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 304866101 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866083 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039567 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866074 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304866063 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305032467 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX B A |
| 305039566 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D C A B |
| 304865971 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039565 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039564 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865924 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305039563 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039562 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305032466 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030467 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865844 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865843 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039561 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039559 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A B |
| 305039558 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865757 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865752 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D B A |
| 305030464 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865735 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039557 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 304865718 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 305030461 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305032465 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039556 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039555 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 304865668 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX B A |
| 304865660 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030457 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039554 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039553 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030451 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039552 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305039551 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039550 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C D A B |
| 304865547 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030438 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305039549 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039548 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305032464 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305030428 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 305030426 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039547 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039546 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039545 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305032463 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304868677 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 304868675 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039544 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305030410 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039543 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305039542 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030401 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039541 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305030398 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305039540 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A B |
| 305030395 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030391 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039539 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305030382 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039538 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039537 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039536 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039535 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039534 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039533 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305032462 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030352 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039532 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D C A B |
| 305030336 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039531 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D B A |
| 305030329 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030317 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305039530 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030291 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030279 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030278 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030272 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305030263 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A |
| 305039529 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305030147 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039528 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305030044 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305039527 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C |
| 305039526 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039525 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304865503 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 304865498 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 304865480 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D C A B |
| 305039524 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305029948 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029946 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029945 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305029944 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305039523 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305039522 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX B A |
| 305029941 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A |
| 305029940 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A B |
| 305039521 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A D |
| 305029932 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX D A |
| 305042026 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX C A B |
| 305070990 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A B |
| 305044937 | XXXXXX | XXXXXX | XXXXXX | $XXXXXX A C B |

---

## Exhibit 99.41

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.41**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **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** |
| 305049366 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305063774 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029597 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 305059736 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| 305042225 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305057456 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304911027 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053763 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.9 | 89.9 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304826854 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909048 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305076771 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| 304905200 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 57.69 | 57.69 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305077123 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013263 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029240 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029270 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305057553 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305057552 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305070546 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077122 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 72.85 | 72.85 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030627 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 78.75 | 78.75 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053490 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305096904 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305096903 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305096807 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305096806 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037873 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305088228 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 78.7 | 78.7 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061193 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044594 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | -14321.0 | -.0318 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0318 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085899 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305085898 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305085897 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085896 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305085895 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057709 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 69.11 | 69.11 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054927 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305052642 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305054990 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 68.29 | 68.29 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305073584 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305057708 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 73.82 | 73.82 | $XXXXX | -51548.0 | -.0921 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0920 | 96.0 | 0.04 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088402 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069975 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 76.36 | 76.36 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305057544 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305077121 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078252 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 71.43 | 71.43 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056846 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305085894 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305059702 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 78.24 | 78.24 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059726 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 90.0 | 90.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078934 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 69.39 | 69.39 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063736 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | -8144.0 | -.0652 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0652 | 95.0 | 0.05 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305078693 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056356 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305071579 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305066773 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305078692 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 68.63 | 68.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305091913 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305057850 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305077180 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305099164 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -8496.0 | -.0347 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0347 | 92.0 | 0.08 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064746 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305061184 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082993 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305078465 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.77 | 79.77 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305063363 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -1124.0 | -.0097 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0097 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069090 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056351 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305069971 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077117 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.58 | 79.58 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305076898 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 64.52 | 64.52 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078906 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 16.13 | 16.13 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305075888 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 64.57 | 64.57 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079233 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 73.46 | 73.46 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088580 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 18500.0 | .0974 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305089729 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.92 | 79.92 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305067109 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305080629 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305083348 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 77.68 | 77.68 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305083347 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082990 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305083346 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305067637 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305080597 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078904 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305069139 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079860 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078245 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 56.03 | 56.03 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082988 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305084672 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305071214 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305076212 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305079789 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305074530 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| 305085983 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | -5000.0 | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0526 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305074528 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305082985 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305082984 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077114 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 43.33 | 43.33 | $XXXXX | 23582.0 | .1572 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1572 | 91.0 | 0.09 | XXXXXXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| 305077113 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077112 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 71.88 | 71.88 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077108 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 41.94 | 41.94 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305077107 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 37.79 | 37.79 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305078464 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305088579 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305080623 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305084670 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086719 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079313 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305096822 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305094577 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305080615 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086718 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 48.78 | 48.78 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305071572 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 78.82 | 78.82 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305094986 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305088220 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305085977 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305084601 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305087053 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305091911 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 66.13 | 66.13 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305096820 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | -85000.0 | -.0977 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0977 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027513 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029230 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305069080 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305065862 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305069723 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305058325 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305042038 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060823 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056347 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305060801 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.51 | 70.51 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305061538 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061537 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -10000.0 | -.0741 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0741 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060658 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305066750 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305087677 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305076266 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305053415 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305057524 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305069077 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305057521 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305064034 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305088391 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305087675 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085974 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305064967 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305077103 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069721 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -8000.0 | -.0734 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0734 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305096816 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305060648 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305064966 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305073507 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305063350 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305065473 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305069075 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305073573 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078458 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305078891 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305069550 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079777 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305069074 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305094500 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -12946.0 | -.0418 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0418 | 96.0 | 0.04 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305088573 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305100557 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305087673 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | -7225.0 | -.0628 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0628 | 91.0 | 0.09 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305086706 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305078929 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079222 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 55.84 | 55.84 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079221 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 55.56 | 55.56 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| 305094499 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305079776 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305073501 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305083270 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305098364 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.17 | 79.17 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| 305083343 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305088571 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305076201 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305085971 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Review | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305089883 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 69.33 | 69.33 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305069722 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305077681 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305091031 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305085970 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305094924 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Low Risk |  |
| 305088570 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305079300 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305094571 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305079853 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305085968 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 6610.0 | .0575 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0575 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305087048 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046133 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026172 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305025996 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.97 | 89.97 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
| 305060983 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 74.12 | 74.12 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061517 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039621 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033650 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Mederate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028985 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034638 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061713 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032472 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 71B | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 5000.0 | .0111 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0111 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039585 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 61.54 | 61.54 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304866530 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 82.81 | 82.81 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866503 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039584 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039583 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305039582 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304866480 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030497 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 73.84 | 73.84 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039581 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305032470 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866451 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030495 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039579 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | -7000.0 | -.0240 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305039578 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030493 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039577 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 69.16 | 69.16 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305030490 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039576 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 304866417 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039575 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 304866414 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866412 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 304866410 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039574 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | -18000.0 | -.0744 | 2000A Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | -18000.0 | -.0744 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866402 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039573 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305039572 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0145 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030487 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.79 | 79.79 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039571 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032469 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866336 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | -70000.0 | -.0741 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0741 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039570 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XX/XX/XXXX |
| 305030484 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866248 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039569 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.97 | 70.97 | $XXXXX | -90000.0 | -.0744 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0744 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866235 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030481 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 71.43 | 71.43 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866173 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039568 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 68.85 | 68.85 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866114 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 304866101 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866083 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305039567 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866074 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866063 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032467 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305039566 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 72.12 | 72.12 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 304865971 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039565 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039564 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865924 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 71.79 | 71.79 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039563 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 71.99 | 71.99 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| 305039562 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305032466 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030467 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 9.72 | 9.72 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865844 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865843 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039561 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039559 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 53.85 | 53.85 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039558 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865757 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 54.0 | 54.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304865752 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
| 305030464 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304865735 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039557 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865718 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305030461 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032465 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039556 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039555 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865668 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304865660 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030457 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 69.84 | 69.84 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039554 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039553 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030451 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 57.34 | 57.34 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305039552 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039551 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.67 | 65.67 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039550 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | $XXXXXX | $XXXXXX | .0247 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304865547 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030438 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039549 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305039548 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032464 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030428 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305030426 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039547 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.47 | 60.47 | $XXXXX |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0160 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039546 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039545 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032463 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304868677 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304868675 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 140000.0 | .0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0714 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039544 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030410 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039543 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039542 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030401 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039541 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030398 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039540 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305030395 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 84.93 | 84.93 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030391 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 59.26 | 59.26 | $XXXXX | 25000.0 | .0074 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0074 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039539 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030382 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039538 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039537 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039536 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039535 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039534 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039533 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305032462 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 68.97 | 68.97 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030352 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| 305039532 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 79.5 | 79.5 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030336 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 62.94 | 62.94 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039531 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305030329 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 67.34 | 67.34 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX | Not Eligible | 1.5 | XX/XX/XXXX |
| 305030317 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039530 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | -41634.0 | -.0905 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0905 | 98.0 | 0.02 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305030291 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | -61000.0 | -.1564 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.1564 | XXXXXXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030279 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305030278 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 50.0 | 50.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030272 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030263 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039529 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030147 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305039528 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030044 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039527 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 56.7 | 56.7 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039526 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305039525 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865503 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304865498 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 304865480 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305039524 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 44.78 | 44.78 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305029948 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029946 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029945 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029944 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039523 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305039522 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029941 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305029940 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039521 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 66.48 | 66.48 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029932 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | 0 | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | -90000.0 | -.0698 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0698 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042026 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.36 | 89.36 | $XXXXX | -10000.0 | -.0080 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0080 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| 305070990 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305044937 | XXXXX | XXXXX | XXXXX | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXX | XXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |

---

## Exhibit 99.42

**Exhibit 99.42**

![](ex9942001.jpg)

**Selene Diligence LLC ("Selene") Due**

**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 February 7, 2025 and May 1, 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 64 Non-QM loans and 148 ATR-QM exempt loans for a total of 212 loans (the "Final Securitization Population").

*<u>Credit Reviews (212):</u>*

During the Review, Selene performed a credit review on 212 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (212)</u>*

During the Review, Selene performed a compliance review on 212 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (212):</u>*

During the Review, Selene performed a property valuation review on 212 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (212):</u>*

During the Review, Selene performed a Data Integrity Review on 212 mortgage loans in the Final Securitization Population.

*JPMMT 2026-NQX2 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 212 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;212 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;212 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;212 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;212 | &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, PRMG Non-Qm Dscr Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Northpointe Underwriting Guidelines, AmeriTrust Diamond Guidelines, NQM Funding Non Nqm and DSCR Matrix, Deephaven Correspondent Underwriting Guidelines, ACC Mortgage Underwriting Guidelines, CV3 Financial Services Underwriting Procedures, JPM 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

*JPMMT 2026-NQX2 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

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.

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

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

 **CREDIT REVIEW**

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

● 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.

**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.

**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-NQX2 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

 **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 212 mortgage loans, (ii) a Compliance Review on 212 mortgage loans (iii) a Valuation Review on 212 mortgage loans, and (iv) a Data Integrity Review on 212 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 212 mortgage loans; 174 mortgage loans had a rating grade of A, 38 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 (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 overall loans):*** | ***Grades per loan (212 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 | 84 | 84 | 84 | 84 | 84 | 39.62% A | 174 | 174 | 174 | 174 | 174 | 82.08% |
| B | 7 | 7 | 7 | 7 | 7 | 3.30% B | 38 | 38 | 38 | 38 | 38 | 17.92% |
| C | 40 | 40 | 40 | 40 | 40 | 18.87% C | 0 | 0 | 0 | 0 | 0 | 0.00% |
| D | 81 | 81 | 81 | 81 | 81 | 38.21% D | 0 | 0 | 0 | 0 | 0 | 0.00% |

---

*JPMMT 2026-NQX2 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 | 208 | 208 | 208 | 208 | 208 | 98.11% A | 181 | 181 | 181 | 181 | 181 | 85.38% |
| B | 4 | 4 | 4 | 4 | 4 | 1.89% B | 31 | 31 | 31 | 31 | 31 | 14.62% |
| 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 | 209 | 209 | 209 | 209 | 209 | 98.58% |  |  |  |  |  |  |
| B | 3 | 3 | 3 | 3 | 3 | 1.42% |  |  |  |  |  |  |
| 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.

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

*JPMMT 2026-NQX2 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

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-NQX2 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-NQX2 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-NQX2 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-NQX2 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

*JPMMT 2026-NQX2 Executive Summary (Selene Diligence)*

agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

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

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

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

**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-NQX2 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-NQX2 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

*JPMMT 2026-NQX2 Executive Summary (Selene Diligence)*

or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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-NQX2 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-NQX2 Executive Summary (Selene Diligence)*

## Exhibit 99.43

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.43**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304511227 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304511227 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304511227 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304511227 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304498025 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643641 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643757 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643757 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304498148 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304639183 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643604 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643842 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643729 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643729 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643729 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643728 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643614 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643709 | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304643709 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304701957 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304701957 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304724749 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304724749 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304734541 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304731335 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304765373 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304765373 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304765373 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304765373 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304893250 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304893250 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304898824 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304896420 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304896420 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305033645 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305033645 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305033645 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304905163 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304905163 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304905163 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304874426 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304874426 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304874426 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071422 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071422 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071422 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305036078 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071418 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071418 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038351 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047159 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047159 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047159 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305047159 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048477 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305030693 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305030693 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048600 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048600 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048600 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048600 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048600 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048526 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048526 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048526 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071421 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071421 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071421 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071398 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071398 | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048399 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048399 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048544 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048544 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048544 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082538 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082538 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305034603 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082534 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082534 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048423 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305033681 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305032526 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048333 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305031119 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305031119 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305031119 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042626 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042626 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042626 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042626 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305085876 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305085877 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305085877 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048398 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071534 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071534 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071404 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071394 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071531 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071464 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071464 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071399 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071399 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071399 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071357 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082779 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082779 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071527 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071322 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071322 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082533 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082533 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082533 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071533 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071533 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071449 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071449 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071491 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305054694 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305054694 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071468 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071468 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071487 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048500 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048500 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082525 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082525 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082521 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071361 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071361 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071361 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071314 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305057919 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082527 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082527 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082523 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082523 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082596 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082596 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071536 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082469 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082469 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082510 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082510 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082522 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082522 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071380 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071380 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304902571 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304902571 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304902571 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304902571 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304902571 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071340 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061098 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061098 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071508 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071508 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071508 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082512 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082512 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082512 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082512 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082512 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061588 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061588 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305061588 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064795 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064795 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082628 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082494 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082488 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071386 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071386 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082653 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082653 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071453 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071453 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071435 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071435 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082649 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082649 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082658 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305053726 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305053726 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305053726 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305053726 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071367 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071367 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082767 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082767 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071334 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071403 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071403 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071403 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082422 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082422 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082422 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071376 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071376 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305054826 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082531 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082531 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082654 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082654 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082490 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082490 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066603 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071442 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071339 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071339 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071339 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082350 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071341 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071341 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071374 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071451 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082643 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071450 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071450 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082539 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082539 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082539 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066380 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066380 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071439 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082631 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082530 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082530 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066602 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066602 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082634 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082634 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082591 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082756 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082756 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071331 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071331 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066487 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082337 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082337 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077671 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077675 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082487 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082487 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048283 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082508 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082508 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082508 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071379 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071379 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082472 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082472 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064890 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064890 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064890 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305064890 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082532 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082532 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082532 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082657 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082576 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042676 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305042676 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305079291 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305079291 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305079291 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305079291 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082526 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038703 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038703 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038703 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305038703 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082655 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082575 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082575 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082318 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082507 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082507 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071295 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082609 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082609 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082609 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082609 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066431 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082312 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071301 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071301 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071301 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078035 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078035 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078035 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305078035 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071383 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305071383 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066428 | XXXX | XXXX | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066428 | XXXX | XXXX | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305066428 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082375 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082375 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082375 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077817 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077817 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082334 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082334 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082558 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082558 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082558 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082558 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082540 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305088962 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305088962 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305082563 | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305088934 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305088934 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305088934 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.44

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 |  | 304511227 | Closed | 2025-02-13 05:08 | 2025-02-14 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-The Asset Summary report is typically accompanied by a an unnamed document listing the Liquid Assets and the UW's Net Cash Flow and DSCR calculations - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Can you clarify what is needed? XXXX XXXXXX does not provide a XXXX. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Sizer document is pending from file. Please provide - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Can you clarify what is needed? XXXX XXXXXX does not provide a XXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX_XXXX.XXX |  |  | IN | Investment | Refinance | Cash Out - Other | 3413901 | N/A | N/A |
| XXXX | XXXX |  | 304639292 | Closed | 2025-02-25 00:53 | 2025-03-03 03:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved as requested updated title report provided with updated coverage amount that covers loan amount. - 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-Document Uploaded. Please see attached. - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXXXX is Less than Loan Amount Title coverage amount of $XXXXXXXXX is not sufficient to cover the loan amount of $XXXXXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXXXXXXX XXXXXXX XXXXX XXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX XXXXXX XXXX XXXXXX XXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX-XX (X).XXX |  |  | OK | Investment | Refinance | Cash Out - Other | 3474118 | N/A | N/A |
| XXXX | XXXX |  | 304643641 | Closed | 2025-03-10 22:52 | 2025-03-21 10:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide the updated Final Hud-X document with appraisal fee.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX_XXXXX__XXXXX_XXX_XXXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXX XXXXXXXXX XXXXX XXX_XXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3577163 | N/A | N/A |
| XXXX | XXXX |  | 304643757 | Closed | 2025-03-10 00:12 | 2025-03-25 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. The HUD document is currently missing for the following three properties (X-XXXX X XXXXX XX, X-XXXXX X XXXXX XX,X-XXXX X XXXXX XX) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXXX XXX_XXXXXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3566092 | N/A | N/A |
| XXXX | XXXX |  | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding 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-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage is Less than Loan amount - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XXXXXX.XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3577848 | N/A | N/A |
| XXXX | XXXX |  | 304639183 | Closed | 2025-03-13 00:44 | 2025-03-23 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Policy provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see policy attached-it is inlcuded with this - XXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Subject property has Windstorm Insurance and we have invoice of windstorm at page #XXX but windstorm insurance policy document is missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX_XXXXXXXXX.XXX |  |  | TX | Investment | Purchase | NA | 3599081 | N/A | N/A |
| XXXX | XXXX |  | 304643604 | Closed | 2025-03-20 12:18 | 2025-04-09 14:20 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved as Highest mid score is used of all borrowers on loan file - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Please review with management - XXXXXX-XX/XX/XXXX <br>Counter-Guidelines dated XX/XX/XX, When there are multiple borrowers/sponsors, the highest applicable credit score from all borrowers/sponsors is the representative credit score for the loan. The guidelines show if X borrower with X credit scores the mid score will be used. The highest Credit Score is XXX.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Please refer to the highlighted guideline which states that when there are multiple borrowers, the higher applicable score is used to qualify. The applicable score when there are three scores is the mid score, therefore the qualifying score is - XXXXXX-XX/XX/XXXX <br>Counter-Guidelines dated XX/XX/XX, When there are multiple borrowers/sponsors, the highest applicable credit score from all borrowers/sponsors is the representative credit score for the loan. The guidelines show if X borrower with X credit scores the mid score will be used. The highest Credit Score is XXX.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Per XXX guidelines, if there are multiple borrowers, the mid score of the higher credit report (borrower) is used to qualify. The highest applicable score is the mid score when there are three credit scores present. Both borrowers have three credit scores, so the mid score is applicable. I have uploaded both credit reports and the higher mid score belongs to XXXXX which is XXX. - XXXXXX-XX/XX/XXXX <br>Counter-The Credit Memo shows Fico Score of XXX. Guidelines dated XX/XX/XX, When there are multiple borrowers/sponsors, the highest applicable credit score from all borrowers/sponsors is the representative credit score for the loan. The highest Credit Score is XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Please refer to the uploaded sizer which reflects a qualifying credit score of XXX. The is score is the mid score of the co-borrower and the higher mid score. This is supported by the credit memo and credit reports. - 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 Credit Memo shows Fico Score of XXX. Guidelines dated XX/XX/XX, When there are multiple borrowers/sponsors, the highest applicable credit score from all borrowers/sponsors is the representative credit score for the loan. The highest Credit Score is XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Please review with management - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Please refer to the highlighted guideline which states that when there are multiple borrowers, the higher applicable score is used to qualify. The applicable score when there are three scores is the mid score, therefore the qualifying score is - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Per XXX guidelines, if there are multiple borrowers, the mid score of the higher credit report (borrower) is used to qualify. The highest applicable score is the mid score when there are three credit scores present. Both borrowers have three credit scores, so the mid score is applicable. I have uploaded both credit reports and the higher mid score belongs to XXXXX which is XXX. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Please refer to the uploaded sizer which reflects a qualifying credit score of XXX. The is score is the mid score of the co-borrower and the higher mid score. This is supported by the credit memo and credit reports. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XX XXXXXXX XXX XXXXX XX XXXX XX XXX XXXXXXXXX XX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXX'X XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXX'X XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXX.XXX |  |  | AL | Investment | Refinance | Cash Out - Other | 3660676 | N/A | N/A |
| XXXX | XXXX |  | 304643604 | Closed | 2025-03-20 14:23 | 2025-03-25 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Complete Deed of Trust provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Deed of Trust is Missing The Mortgage page XXX only shows X of the X property addresses, missing XXXX XXXXXXXXXX XX. Requesting updated Mortgage. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_-_XXXXXXX_-_XXXX_XXXXXX_XXXX_XX.XXX |  |  | AL | Investment | Refinance | Cash Out - Other | 3662694 | N/A | N/A |
| XXXX | XXXX |  | 304643604 | Closed | 2025-03-17 22:37 | 2025-03-25 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. transfer letters in initial file delivered and uploaded here - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. HUD Doc is on Page # X but missing Appraisal Fee in doc. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. transfer letters in initial file delivered and uploaded here - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXX_-_XXXX_XXXXXXXXXX_XX.XXX.XXX_XXXXX_<br> XXXXXXXX_XXXXXX_-_XXXX_XXXXXXXX_XX.XXX.XXX_XXXXX_<br> XXXXXXXX_XXXXXX.XXX.XXX |  |  | AL | Investment | Refinance | Cash Out - Other | 3632505 | N/A | N/A |
| XXXX | XXXX |  | 304643842 | Closed | 2025-03-17 03:24 | 2025-03-28 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable. Transfer documentation provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Nor should it. Appraisal transfers do not show as POC. - XXXXXX-XX/XX/XXXX <br>Counter-The provided HUD does not list the invoiced values as Paid Outside of Close. Appraisal fees are not listed on the HUD - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. transfer invoices were in file delivered and attached - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. HUD doc is on Page # XXX But missing Appraisal fee in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Nor should it. Appraisal transfers do not show as POC. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. transfer invoices were in file delivered and attached - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX. XXXXXXXX XXXXXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXX_-_XXXX_-_XX_X_XXXXXXX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXX_-_XXX_X_XXXXXXX_XX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXX_-_XXXX_X_XXXXXXX_XX.XXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3622869 | N/A | N/A |
| XXXX | XXXX |  | 304643842 | Closed | 2025-03-16 23:45 | 2025-03-21 05:49 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit memo provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct XXXXXXXXX date. - Seller-XX/XX/XXXX <br>Open-Overview doc is on Page # XXX shows Version XX/XX/XXXX but Tape Data shows XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct XXXXXXXXX date. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXX XXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXX XXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3622305 | N/A | N/A |
| XXXX | XXXX |  | 304643729 | Closed | 2025-03-17 03:22 | 2025-03-21 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Transfer letters have been reviewed. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Transfer letters in file - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. HUD Doc is on Page # X but missing Appraisal fee in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Transfer letters in file - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXXXXXX_XXXXXXX-_XXX_XXXX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXX_XXXXXXX-_XXX_XXXX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXX_XXXXXXX-_XXXX_XXXX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX.XXX_XXXXX_<br> XXXXXXX_XXXXXXXXX_XXXXXXX-_XXX_XXXX.XXX.XXX |  |  | MS | Investment | Refinance | Cash Out - Other | 3622867 | N/A | N/A |
| XXXX | XXXX |  | 304643729 | Closed | 2025-03-17 03:12 | 2025-03-21 09:46 | Resolved | 1 - Information C A | Compliance | Compliance | Note; missing, illegible or incomplete. | Resolved-Document has been received and reviewed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded sizer with allocated loan amounts per property from file.<br> - Seller-XX/XX/XXXX <br>Open-Allocated loan amounts are not specified on the UW summary page#XXX for Below Properties:<br> XXX XXXX XXXXXX, XXXXXXXX, XXXXXXXXXXX XXXXX <br> XXX XXXX XXXXXX, XXXXXXXX, XXXXXXXXXXX XXXXX <br> XXXX XXth XXXXXX XXXXX, XXXXXXXX, XXXXXXXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded sizer with allocated loan amounts per property from file.<br> - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXXX XXXX XXXXXXXXX XXXX XXXXXXX XXX XXXXXXXX.XXX |  |  | MS | Investment | Refinance | Cash Out - Other | 3622844 | N/A | N/A |
| XXXX | XXXX |  | 304643614 | Closed | 2025-03-17 22:37 | 2025-03-25 11:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document has been received. XX has been updated - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please look at top of page X - the appraisal field extends to the next page - Seller-XX/XX/XXXX <br>Counter-Provided HUD is pending the Appraisal Fee iao $X,XXX paid outside of close to Property Appraisal Group XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. HUD Doc is on Page # X but missing Appraisal Fee in doc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-please look at top of page X - the appraisal field extends to the next page - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXX XXXX XXXXXXXX. XX XXX XXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XXXX__XXXXX_XXX_XXXXXXX.XXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3632504 | N/A | N/A |
| XXXX | XXXX |  | 304643709 | Closed | 2025-03-21 08:43 | 2025-03-26 02:59 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Requested Secondary valuation documents provided hence resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second Appraisal for Securitization for Below Property:<br> XXX X XTH XX, XXXXXXX, XX, XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_XX X XXXX XX.XXX_XXXXX_<br> XXXXXXX_XXX X XXX XX .XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3667752 | 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 Vendor-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 Missing business entity final XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | PA | Investment | Refinance | Cash Out - Other | 4156682 | Investor Post-Close | No |
| 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> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-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. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX.XXXXXX XXXXXX XXXXX XXXXXX XXXXXXXX XX XX XXX XXXXXXXX XXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4482433 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-30 03:18 | 2025-07-25 05:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final CD provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Counter-CD provided is missing page X and the signature page - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - 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 Provide Closing Disclosure Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXXXX XX.XXX_XXXXX_<br> XX.XXX |  |  | NV | Investment | Purchase | NA | 4598600 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:20 | 2025-07-18 06:06 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Deed Of Trust is not signed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXX XXX.XXX |  |  | NV | Investment | Purchase | NA | 4598048 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:21 | 2025-07-18 06:05 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed Note provided in file is not signed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXX XXXX.XXX |  |  | NV | Investment | Purchase | NA | 4598054 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:03 | 2025-07-17 22:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX _xXXXX_<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. Business Purpose & Occupancy Affidavit Signed at Closing is Missing in File Needed for All DSCR Transactions. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXX & XXXXXXXXX XXXXXXXXX XXXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXXXXX XXXXXXXX XXXXXXX & XXXXXXXXX XXXXXXXXX XXXXXX XX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX_XXXXXXXX XXXXXXX & XXXXXXXXX XXXXXXXXX.XXX |  |  | NV | Investment | Purchase | NA | 4598012 | 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 _xXXXX_<br> Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_<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 | <br> _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX X-XXXX XXXX XXXXXXXXX.XXX |  |  | FL | Investment | Purchase | NA | 4840102 | 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 _xXXXX_<br> Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The Final XXXX is Missing Entity LLC is missing from file. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | NY | Investment | Refinance | Cash Out - Other | 4944083 | Investor Post-Close | No |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 04:36 | 2025-10-30 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX-XXXXXXXX. XXXXXX XXX XXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173353 | N/A | N/A |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 07:31 | 2025-10-29 01:01 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX _xXXXX_<br> Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXXX XXXXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5175240 | N/A | N/A |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 04:11 | 2025-09-03 14:38 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX _xXXXX_<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. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173201 | Investor Post-Close | No |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 07:05 | 2025-08-21 02:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<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 and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX | <br> _xXXXX_ | XXXXXXXX-XXXX XXXXXX XXXXXXXX. XXXXXXX & XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX.XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXXXXXXX XXXXXXX (X).XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXX-XXX_XXXXXX_XXXXXX_XXX_XXXXXXX_XX_XXXXX_XXXXXXXX_XXXX.XXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5174877 | 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 _xXXXX_<br> Ready for Review-Document Uploaded. PCCD uploaded as well - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. CD with lender credits to cure borrower for credit fee increase - Seller-XX/XX/XXXX _xXXXX_<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 _xXXXX_<br> Ready for Review-Document Uploaded. CD with lender credits to cure borrower for credit fee increase - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XX XXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX 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 _xXXXX_<br> Ready for Review-Document Uploaded. CD with lender credits or credit report fee. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<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 XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(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 _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<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_xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | 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 _xXXXX_<br> Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Business Bank Statements Missing For account #XXX business bank statements from March XXXX to September 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_xXXXX_ | XXXXXXXX-XXXXXXXX. XXXX XXXXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX XXXXXX XXXXXXXXXXXXX.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 august September and October payment. Housing History Meets XXXXXXXXX Requirements.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX 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 august September and October 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 XXXXXXXXX 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 august September and October payment. They also just sold the property FSS attached. All documents present in the loan package. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXX XXXXXX X/XX/XXXX. XXX XXXXXXXXX XX XXXX XXXX XXXXX XXXXXX XXXXXXXXX XXX XXXXXXX XXXXXXX. XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX_XXXXX_<br> XXXXXXXX.XXX_XXXXX_<br> XXXXX XX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6017950 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 05:53 | 2025-12-08 07:45 | Resolved | 1 - Information B A | Credit | Doc Issue | Application Not Signed by All Borrowers | Resolved-Client has provided the initial application. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed Loan Application uploaded. - Seller-XX/XX/XXXX <br>Counter-This is not the signed "Universal Loan Application — Initial" that needs to be signed in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - Seller-XX/XX/XXXX <br>Open-As required, please provide the complete fully executed application. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Signed Loan Application uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX XXX XXXXXXX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXXX XXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXX XXXXXXX XXXX XXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6205556 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 05:52 | 2025-11-20 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Client has provided a cash out letter. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - Seller-XX/XX/XXXX <br>Open-As per guideline X.X, a letter of explanation is required for cash out transactions to confirm funds will be used for business purposes. The loan application in the file is not complete and can't be used as the LOX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXX XXXXXXXX X XXXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXX XXXXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6205542 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 06:14 | 2025-11-19 06:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Reserves are short the required the X months reserves by $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - Seller-XX/XX/XXXX <br>Open-Per Section X.X.X of guideline, cash out proceeds may not be used to satisfy reserve requirements when FICO Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - Seller-XX/XX/XXXX<br>XXXXXX-XXXXXXXX XXX XXXXX XXX XXXXXXXX XXX X XXXXXX XXXXXXXX XX $X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXX.XXX XXXXXXXXX XXX XXXXXXXXXX XXXX X XXXXXXXX XXXX XX XXXXXX<br> XXX XX XX%<br> XXXX XXXXXXX XXXXXXXXX PA Investment Refinance Cash Out - Other 6205741 Originator Post-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-09 10:25 | 2025-11-19 02:56 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - Seller-XX/XX/XXXX <br>Open-A copy of the sizer report and credit memo are missing from file to validate the originator's DSCR, LTV, representative FICO, etc - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6186587 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-09 10:26 | 2025-11-14 01:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party fraud report provided. - 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-Provide fraud report as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded DataVerify report - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6186589 | N/A | N/A |
| XXXX | XXXX |  | 304896420 | Closed | 2025-12-12 08:50 | 2026-01-05 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the corrective - Buyer-XX/XX/XXXX <br>Ready for Review-Origination date: XX/XX/XXXX<br>Maturity date: XX/XX/XXXX<br>Calculation<br>From December XXXX to December XXXX is XX years.<br>XX years × XX months = XXX months<br>The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.<br>Loan term: XXX months - Buyer-XX/XX/XXXX <br>Open-The Note is Incomplete Updated Note is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXXXXXXX XXXX.XXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6602211 | N/A | N/A |
| XXXX | XXXX |  | 304896420 | Closed | 2025-12-12 08:51 | 2026-01-05 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see corrective note - Buyer-XX/XX/XXXX <br>Ready for Review-Origination date: XX/XX/XXXX<br>Maturity date: XX/XX/XXXX<br>Calculation<br>From December XXXX to December XXXX is XX years.<br>XX years × XX months = XXX months<br>The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.<br>Loan term: XXX months - Buyer-XX/XX/XXXX <br>Open-Updated DOT is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXXXXX_XXXXXXX_XXXX XXXXXXXXX.XXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 6602229 | N/A | N/A |
| XXXX | XXXX |  | 305067555 | Closed | 2025-12-23 03:38 | 2025-12-29 05:31 | Waived | 2 - Non-Material B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Exception page XXX Exception Reason: OTHER- Borrower is a permanent resident alien but originally from an OFAC Sanctioned County: Venezuela. <br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception page XXX<br> Exception Reason: OTHER- Borrower is a permanent resident alien but originally from an OFAC Sanctioned County: Venezuela<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX <br>Open-OFAC Check Not Completed and/or Cleared Borrow er is a permanent resident alien but originally from an OFAC sanctioned county 'Venezuela' and we have UW exception at page #XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXX XXX XXXXXXXXX XXXXXX: XXXXX- XXXXXXXX XX X XXXXXXXXX XXXXXXXX XXXXX XXX XXXXXXXXXX XXXX XX XXXX XXXXXXXXXX XXXXXX: XXXXXXXXX. <br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXXXX XXXX XXX<br> XXXXXXXXX XXXXXX: XXXXX- XXXXXXXX XX X XXXXXXXXX XXXXXXXX XXXXX XXX XXXXXXXXXX XXXX XX XXXX XXXXXXXXXX XXXXXX: XXXXXXXXX<br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | $XX,XXX.XX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX.XX XXXXXXX XXX XXXXXXX XX XX.XX XXXXXX XXXX XXX XXXXXXXX X XXXXX XXXXXXX.<br> XXXXXXXX XXXXXXXXXXXX XX XX% XX XXXXX XXXXX, XX XXX XXXXXXXXXX XX XXXXXXXX XX% XX XXXXX XXXXX.<br> XXXXXXXXXX, XX>XX XXX, XXXXXXXXX XXXXXXXXXXX XX X/X<br> XXXXXXXX XXXXXXX XXXXXXX, XXXXXXX XXXXXX, XXXXXXXXX XXXXXXXXXXX XX X/X | FL | Investment | Purchase | NA | 6755969 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305067555 | Closed | 2025-12-29 05:23 | 2025-12-29 05:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception page XXX DSCR Primary Housing Expense- Loan File- Borrower is living rent free. <br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Housing History Does Not Meet XXXXXXXXX Requirements Exception page XXX<br> DSCR Primary Housing Expense- Loan File- Borrower is living rent free<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXX XXX XXXX XXXXXXX XXXXXXX XXXXXXX- XXXX XXXX- XXXXXXXX XX XXXXXX XXXX XXXX. <br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXXXXXX XXXXXXX XXXX XXX XXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXX XXXX XXX<br> XXXX XXXXXXX XXXXXXX XXXXXXX- XXXX XXXX- XXXXXXXX XX XXXXXX XXXX XXXX<br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | $XX,XXX.XX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX.XX XXXXXXX XXX XXXXXXX XX XX.XX XXXXXX XXXX XXX XXXXXXXX X XXXXX XXXXXXX.<br> XXXXXXXX XXXXXXXXXXXX XX XX% XX XXXXX XXXXX, XX XXX XXXXXXXXXX XX XXXXXXXX XX% XX XXXXX XXXXX.<br> XXXXXXXXXX, XX>XX XXX, XXXXXXXXX XXXXXXXXXXX XX X/X<br> XXXXXXXX XXXXXXX XXXXXXX, XXXXXXX XXXXXX, XXXXXXXXX XXXXXXXXXXX XX X/X | FL | Investment | Purchase | NA | 6827985 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305033645 | Closed | 2025-12-23 03:47 | 2026-02-10 06:39 | Resolved | 1 - Information A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Rescinded-The loan fees ($XX,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX CFR XXXX.XX(e)(X). Non XX loan - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXXX-XXX XXXX XXXX ($XX,XXX.XX) XXXXXX XXX (XX) (XXXX XXXXXX >=$XXX,XXX.XX) XXX XXXXX, XXXXX XX X% XX XXX XXXXX XXXX XXXXXX ($XX,XXX.XX), XXX XXXXXXXXXX XX ($XXX.XX). (XX XXX XXXX.XX(X)(X). XXX XX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Second Home | Purchase | NA | 6756014 | N/A | N/A |
| XXXX | XXXX |  | 305033645 | Closed | 2025-12-23 02:48 | 2026-02-10 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Updated info does not list other supplemental insurance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please note the First payment letter signed at closing did not have other amounts. Please see first payment letter, updated URLA and XXXX. - Buyer-XX/XX/XXXX <br>Counter-All documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Provide the documentation to support the $XXX month supplemental insurance used in the transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Flood insurance is not escrowed as this is a condo and the master flood policy is paid by the HOA. The borrower has a HXX inner four walls policy of which is escrowed. - Buyer-XX/XX/XXXX <br>Open-Flood Insurance Policy Partially Provided The Final CD does not show flood insurance escrowed. All other documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Clarification and documentation to support is required. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXX XXXX XXX XXXX XXXXX XXXXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXX XXXX.XXX |  |  | FL | Second Home | Purchase | NA | 6755685 | N/A | N/A |
| XXXX | XXXX |  | 304905163 | Closed | 2025-12-31 14:14 | 2026-01-08 13:55 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal missing from loan file. | Resolved-Xnd appraisal was provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached Xnd valuation related to the property.<br> - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Missing the CDA that is required per guidelines. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXX_XX_X-X_XXX_XXXXXX_XX_XXXXX_XXXXXXXX_XXXX.XXX |  |  | NM | Investment | Refinance | Cash Out - Other | 6881641 | N/A | N/A |
| XXXX | XXXX |  | 304874426 | Closed | 2026-01-05 17:30 | 2026-01-21 07:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Borrower #X on the fraud alert id the XXX. Please rescind this finding as the high impact alerts/ reflecting Borrower #X should be N/A. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts without cleared comments , a processor cert was not provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | IL | Investment | Purchase | NA | 6924667 | N/A | N/A |
| XXXX | XXXX |  | 304874426 | Closed | 2025-12-29 22:29 | 2026-01-20 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Updated Guaranty Agreement Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Initials on page XXXX of Guaranty Agreement is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | IL | Investment | Purchase | NA | 6846164 | N/A | N/A |
| XXXX | XXXX |  | 304874426 | Closed | 2025-12-30 04:44 | 2026-01-05 18:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception on page XXXX is approved to allow for seller credit in the amount of $XX,XXX which is slightly over the X% maximum - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XX XXXX XXXX XX XXXXXXXX XX XXXXX XXX XXXXXX XXXXXX XX XXX XXXXXX XX $XX,XXX XXXXX XX XXXXXXXX XXXX XXX X% XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX<br> XXXXXXXX XXXXXXX- XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | IL | Investment | Purchase | NA | 6848507 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071422 | Closed | 2026-01-02 06:43 | 2026-02-09 14:34 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Compliance Test is re run with provided documentation. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see uploaded COC - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Thanks for providing the lender's XXXXXX testing. After deeper review, there is no Bonafide discount points, so the discount points are included in the test. This is causing the fail on our end. Please provide proof the rate was bona fide.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Attached is internal lock confirmation and our XXXXXX pass on the X% XX XX(a)(X) test. - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-If the $X,XXX.XX loan discount point fee is excluded, total fees are $X,XXX.XX within the max $X,XXX (X%). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-The loan amount was restructured to $XXX,XXX per all final documents provided at initial review. The XXXXXX provided in the response shows the loan amount as $XXXk. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The XXXXXX Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X XX ADC Sec. XXX.X) Loan failed XX X% limit state restrictions - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXXX XXXX XX XX XXX XXXX XXXXXXXX XXXXXXXXXXXXX. XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXX XX_XX_XXXX X_XX_XX XX.XXX_XXXXX_<br> XXX-XXXXXXX XXXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6891591 | N/A | N/A |
| XXXX | XXXX |  | 305071422 | Closed | 2026-01-02 06:43 | 2026-02-09 09:09 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Document provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see uploaded COC - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Thanks for providing the lender's Mavent testing. After deeper review, there is no Bonafide discount points, so the discount points are included in the test. This is causing the fail on our end. Please provide proof the rate was bona fide.<br>- Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Attached is internal lock confirmation and our Mavent pass on the X% TX XX(a)(X) test. - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-If the $X,XXX.XX loan discount point fee is excluded, total fees are $X,XXX.XX within the max $X,XXX (X%). - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-The loan amount was restructured to $XXX,XXX per all final documents provided at initial review. The Mavent provided in the response shows the loan amount as $XXXk. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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)(E); X TX ADC Sec. XXX.X) Loan failed TX X% limit state restrictions - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXX XXXX XX_XX_XXXX X_XX_XX XX.XXX_XXXXX_<br> XXX-XXXXXXX XXXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6891589 | N/A | N/A |
| XXXX | XXXX |  | 305071422 | Closed | 2026-01-07 07:36 | 2026-01-20 06:05 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Used UDM end date XX/XX/XXXX as gap report date within XX days of closing. New account listed on the UDM is already captured in liabilities. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXX, or XXXXXXXX) is required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXX XXX XXXX XX/XX/XXXX XX XXX XXXXXX XXXX XXXXXX XX XXXX XX XXXXXXX. XXX XXXXXXX XXXXXX XX XXX XXX XX XXXXXXX XXXXXXXX XX XXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6958133 | N/A | N/A |
| XXXX | XXXX |  | 305071422 | Closed | 2026-01-02 06:43 | 2026-01-30 08:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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 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 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 §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#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 XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-he 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 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 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 §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#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 XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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 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 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 §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 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 XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XX_XX_XXXX X_XX_XX XX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 6891590 | N/A | N/A |
| XXXX | XXXX |  | 305071418 | Closed | 2026-01-14 23:45 | 2026-01-29 00:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Vor Missing in file, provided XX months rent Receipts, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. VOR is missing <br> "There is only X months rental history has proved for XXXX Boulevard East #XA rental on #page XXX<br> Other XX months rental history is missing." - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXX XX XXXX, XXXXXXXX XX XXXXXX XXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX- XXXXX XXXX- XXXX XX XXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXX- XXXXXXX XXXXXXX & XXXXX- XXXXXXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXXX- XXXXX #XXXX XX.XX.XX.XXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7103998 | N/A | N/A |
| XXXX | XXXX |  | 305071418 | Closed | 2026-01-14 04:08 | 2026-01-27 05:40 | Resolved | 1 - Information B A | Compliance | Compliance | TRID CD disclosure violation; missing projected estimated escrow payments on the Closing Disclosure. | Resolved-Updated PCCD provided with updated insurance. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Calculated hazard insurance premium is XX.X but final CD shows XXX.XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXX XXXXXXX XXXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXXXXX.XXXX.XXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7081702 | N/A | N/A |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:02 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Dh approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-Dh approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX, X XXXXXXX.XXX_XXXXX_<br> XXXXXXXXX, X XXXXXXX.XXX |  | $XXXX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XX% XXX, XXX XX XX%<br> XX XXXXXX XXXXXXXX | FL | Primary Residence | Purchase | NA | 7129214 | Investor Post-Close | No |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:01 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Dh approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Buyer-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-Dh approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX, X XXXXXXX.XXX_XXXXX_<br> XXXXXXXXX, X XXXXXXX.XXX |  | $XXXX XXXXXXXX XXXXXX, XXX XX $X,XXX<br> XX% XXX, XXX XX XX%. | FL | Primary Residence | Purchase | NA | 7129213 | Investor Post-Close | No |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 21:35 | 2026-01-27 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-BX Id is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Borrower X ID proof is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XX XX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX XXXXXXXXXXXXXX - XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7128989 | N/A | N/A |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-20 08:43 | 2026-01-21 05:22 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-borrower X's income is higher therefore we have to go off of their credit score for qualifying. please waive this condition - Buyer-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. 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. Provide updated XXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 7179588 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-02-09 05:54 | 2026-02-18 06:05 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | Mississippi - Interest Accrual | Resolved-Refund $XXX.XX letter provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached cure - Seller-XX/XX/XXXX <br>Open-Mississippi case law does not allow lenders to accrue interest prior to the time money is due under the loan. (Mississippi Rice Grower's Ass'n v. Illinois Cent R. Co., XXX F.Xd XXX (Xth Cir. XXXX)) . - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached cure - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX $XXX.XX XXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXX XXXX XXXXXXXXX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7512740 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-02-04 05:49 | 2026-02-09 05:56 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Disbursement date X/XX/XX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD shows correct disbursement date - Buyer-XX/XX/XXXX <br>Open-The loan disbursement date is prior to the cancel date. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-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 Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXX XXXX X/XX/XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXX XX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7434645 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-01-19 06:26 | 2026-02-04 06:01 | Resolved | 1 - Information C A | Compliance | Compliance | Right to cancel process contains multiple deficiencies | Resolved-Right to Cancel documents provided with all dates and signatures for both borrower and non borrower title holder. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Counter-Notice to cancel is missing the cancel by date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Right to Cancel for borrower is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XX XXXXXX XXXXXXXXX XXXXXXXX XXXX XXX XXXXX XXX XXXXXXXXXX XXX XXXX XXXXXXXX XXX XXX XXXXXXXX XXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XX XXXXX XX XXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXX XX XXXXXX XXXXXXXXXX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7162873 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-01-20 09:40 | 2026-02-04 05:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form or Not Applicable (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Counter-The notice to cancel forms provided are missing the cancel by date. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Non-Borrower Title Holder Received Right of Rescission Form or Not Applicable (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form (Occupancy is Primary Residence, Loan Purpose is Refinance, and Title Vested by NonBorrower is true) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX-XXXXXXXX XXXXX XXXXXX XXXXXXXX XXXXX XX XXXXXXXXXX XXXX XX XXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXX XXXXXXXXX, XXXX XXXXXXX XX XXXXXXXXX, XXX XXXXX XXXXXX XX XXXXXXXXXXX XX XXXX) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX-XXXXXXXX XXXXX XXXXXX XXXXXXXX XXXXX XX XXXXXXXXXX XXXX XX XXX XXXXXXXXXX (XXXXXXXXX XX XXXXXXX XXXXXXXXX, XXXX XXXXXXX XX XXXXXXXXX, XXX XXXXX XXXXXX XX XXXXXXXXXXX XX XXXX) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XX XXXXX XX XXXXXX.XXX_XXXXX_<br> XXXXXXX XXXXX XX XXXXXX XXXXXXXXXX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7181574 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-01-20 09:34 | 2026-01-30 05:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report dated XX/XX/XX post close, no new debts. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXXXXXXXX, XXXXXXXX, or XXXXXXXXX) is required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XXXXX X/XX/XX XXXX XXXXX, XX XXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXX XXXXXXX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7181471 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-01-19 06:21 | 2026-01-30 05:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC dated XX/XX/XX for increased fees provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-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: Broker Fees, Appraisal Fee, 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 XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for Initial CD on Broker Fees, Appraisal Fee, Credit Report Fee increase which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XX/XX/XX XXX XXXXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXX - XX.XX.XX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7162843 | N/A | N/A |
| XXXX | XXXX |  | 305047159 | Closed | 2026-01-19 06:16 | 2026-01-29 01:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service provider list uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Provide Service Provider List document is missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXX XXXXXXXXX XXXX.XXX |  |  | MS | Primary Residence | Refinance | Cash Out - Other | 7162791 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-23 03:48 | 2026-03-19 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Provide Market Rent Estimate Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | OH | Investment | Refinance | Cash Out - Other | 7263637 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-27 13:34 | 2026-03-19 10:32 | 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 XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Attached. Borrower cashed out XXk. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Reserve requirement is X months and the audited reserves are less than X month. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7318553 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-27 13:53 | 2026-02-25 09:47 | Resolved | 1 - Information C A | Property | Property | Property has been listed for sale in the past 6 months | Resolved-XXXXXX report and correspondence from borrower along w/ lease agreement indicates property is being rented and no longer on the market. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We have proof of delisting and LOE attached. This is an XXXXX loan, so could charge the minimum of a X/X PPP, so were fine closing with just a X% PPP. - Due Diligence Vendor-XX/XX/XXXX <br>Open-According to correspondence in file, property was listed for sale but a lease was recently signed. Date of lease is XX/XX/XXXX. Guidelines indicate if a property was listed for sale documentation of the cancelled listing must be provided. Additionally a X yr prepay penalty is required. There is a prepay penalty, however it is for XX months. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXX XXX XXXXXXXXXXXXXX XXXX XXXXXXXX XXXXX X/ XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XX XXXXX XXXXXX XXX XX XXXXXX XX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7318852 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-23 04:59 | 2026-02-04 02:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide Final Closing Disclosure or HUD Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7264452 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-27 13:46 | 2026-02-04 02:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7318721 | N/A | N/A |
| XXXX | XXXX |  | 305048600 | Closed | 2026-01-23 04:27 | 2026-02-02 23:17 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Attached Appraisal. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Appraisal is Missing Appraisal Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7263992 | N/A | N/A |
| XXXX | XXXX |  | 305071421 | Closed | 2026-02-04 03:29 | 2026-02-05 07:28 | 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)) 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 Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XX, and copy of the appraisal was given to the borrower see Pg# XXfor the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX# XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" <br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 7431590 | N/A | N/A |
| XXXX | XXXX |  | 305071398 | Closed | 2026-02-04 08:54 | 2026-02-17 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX%... XXXXXXXXX XSCR XXXXXXXXXXXX XXXXXX dated X/XX/XXXX for a Cash Out loan over X.XX DSCR. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Per the XXXXXXXX XXXXXXXXX XXXXXXX XXXXXX, an Eligible Borrower can be a Non-Permanent Resident with a XX%/XX% for PRT/CO. This is a Cash Out transaction for a borrower with a HXBX Visa from India. Per this Matrix, LTC should be capped at XX%, but qualified at XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX%... XXXXXXXXX XXXX XXXXXXXXXXXXX XXXXXX XXXXX X/XX/XXXX XXX X XXXX XXX XXXX XXXX X.XX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | NJ | Investment | Refinance | Cash Out - Other | 7440860 | N/A | N/A |
| XXXX | XXXX |  | 305071398 | Closed | 2026-02-04 02:13 | 2026-02-17 06:51 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance policy begins on X/XX/XXXX. The loan closed & was disbursed on X/XX/XXXX. Evidence is needed of proper insurance coverage covering that Note/Disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXX XXX, XXXXX XXXXXXX, XX XXXXX (X).XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7431166 | N/A | N/A |
| XXXX | XXXX |  | 305071398 | Closed | 2026-02-04 02:42 | 2026-02-12 12:23 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing letter of explanation | Resolved-Explanation received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. this is a delayed purchase. vacant due to being recently renovated. Purchase HUD and SOW uploaded for reference. - Seller-XX/XX/XXXX <br>Open-Letters of Explanation are missing. (X) Purpose of Refinance & Cash Out. (X) A property is considered unleased and vacant when no long term executed lease is in place. The Borrower should provide the cause of vacancy (Letter of Explanation) for refinance transactions, such as recently completed renovation, tenant turnover, etc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. this is a delayed purchase. vacant due to being recently renovated. Purchase HUD and SOW uploaded for reference. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXX - XXX.XXX_XXXXX_<br> XXXXXXXX XXXXXXXX_XXX XXXXXXX_$XXX,XXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7431323 | N/A | N/A |
| XXXX | XXXX |  | 305071398 | Closed | 2026-02-04 08:54 | 2026-02-12 12:22 | Resolved | 1 - Information C A | Credit | Doc Issue | Application Missing | Resolved-Application received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Application is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXX - XXXX XXX - XXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7440854 | N/A | N/A |
| XXXX | XXXX |  | 305071398 | Closed | 2026-02-04 01:53 | 2026-02-12 12:20 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXXXXX acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XXXXXXXXX XXXXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXX XXXXXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7431096 | Investor Post-Close | No |
| XXXX | XXXX |  | 305048399 | Closed | 2026-02-06 14:26 | 2026-03-05 07:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX <br>Counter-Leases are missing in file to verify rent from lease - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV is XX% for vacant property on a refinance an exception was not provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXX XXXXX XXXXXXXXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7499125 | N/A | N/A |
| XXXX | XXXX |  | 305048399 | Closed | 2026-02-02 21:53 | 2026-02-13 03:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CDA uploaded for review. - 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 Secondary Valuation is missing is this file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. CDA uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7409886 | N/A | N/A |
| XXXX | XXXX |  | 305048399 | Closed | 2026-02-02 22:20 | 2026-02-13 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested initial Business Purpose Affidavit Disclosure provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-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 V X Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in this file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXX XXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7410013 | N/A | N/A |
| XXXX | XXXX |  | 305048399 | Closed | 2026-02-04 21:26 | 2026-02-13 01:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Requested Prepayment Rider Provided, updated & condition resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Prepayment Rider uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Prepayment Rider missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXX XXXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7453793 | N/A | N/A |
| XXXX | XXXX |  | 305048589 | Closed | 2026-02-06 10:18 | 2026-03-03 16:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please clear this as presented. Not clear as to what you are asking for. We acknowledge the DTI is low at X.XXX% and employed in same job past XX years. Please rescind this finding. - Buyer-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | X.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. <br> XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXX XXX XXX XX XXXXX.XXXXXXXX XXX XXXX XXXXXXXX XX XXXX XXXXXX XXX XX XXXXX. | SC | Second Home | Refinance | No Cash Out - Borrower Initiated | 7492514 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305048373 | Closed | 2026-02-06 04:40 | 2026-02-19 07:45 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Articles of Organization uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Articles of organization missing from the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' XXXXXX XXXXXXX XXXXXXXX XX XXXXXXXXXXXXX XX XXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXX - XXXXXXXX XX XXXXXXXXX_XXXXXXXXXXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7484392 | N/A | N/A |
| XXXX | XXXX |  | 305048373 | Closed | 2026-02-08 23:25 | 2026-02-13 04:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report uploaded for review - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Please provide copy of Fraud Identity or report to verify Fraud/OFAC etc. the provided document risk assessment on page XXX is not readable. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXX XXXXX XXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX XXXX XXXXX XXXXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 7509828 | N/A | N/A |
| XXXX | XXXX |  | 305082538 | Closed | 2026-02-09 03:56 | 2026-02-18 06:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-initial Cd provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ICD attached - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing, unable to run Mavent and test compliance. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXXXXXXX_XXXXXXXX__XXXXXXXX_XXXXXX.XXX |  |  | IL | Second Home | Refinance | Cash Out - Other | 7511147 | N/A | N/A |
| XXXX | XXXX | 9102562165 | 305077670 | Closed | 2026-02-11 00:43 | 2026-02-20 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Uploaded X XXXX and FNMA CU. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Third party market rent estimator is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXX XXX XXXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX (XX).XXX |  |  | TX | Investment | Purchase | NA | 7552847 | N/A | N/A |
| XXXX | XXXX | 9102562165 | 305077670 | Closed | 2026-02-11 01:49 | 2026-02-20 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Letter of Explanation from Co-Account Holder borrower XXX% access funds from XXXXXXXX account#XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Missing borrower access letter to use funds from XXXXXXXX account#XXXX and #XXXX, as there is another person along with borrower's name. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXX XX XXXXXXXXXXX XXX XXX XXXXXXXX'X XXXXXX/XXXXXXXX XX XXXXXXX. XXXXXX XXXXXXX XXX XX XXXXXXXXXX XXXXXX/XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XX XXXXXXXXXXX XXXX XX-XXXXXXX XXXXXX XXXXXXXX XXX% XXXXXX XXXXX XXXX XXXXXXXX XXXXXXX#XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXXX-XX-XX XX-XX-XX.XXX |  |  | TX | Investment | Purchase | NA | 7553119 | N/A | N/A |
| XXXX | XXXX | 9102562165 | 305077670 | Closed | 2026-02-11 01:30 | 2026-02-18 18:45 | 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. - 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 Missing Secondary Valuation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX (XX).XXX |  |  | TX | Investment | Purchase | NA | 7553062 | N/A | N/A |
| XXXX | XXXX | 9102562165 | 305077670 | Closed | 2026-02-11 01:30 | 2026-02-18 18:45 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Appraisal is Missing Full appraisal Single Family Residence, Condominium or X-X Unit is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XX XXXXXXX XX XX XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXX XXXXXXXXXX (XX).XXX |  |  | TX | Investment | Purchase | NA | 7553063 | N/A | N/A |
| XXXX | XXXX |  | 305033681 | Closed | 2026-02-12 04:08 | 2026-02-24 06:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX MM: The borrower is still pending the documentation for the work authorization. This document shows that this is still under approval but the document is good until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Please provide the I-XXX for work authorization. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX MM: Please see the attached document that is a IXXXD case type which isDeferred action is an act of prosecutorial discretion to defer removal of an individual. Individuals who receive deferred action will not be removed from the United States for a specified period of time, unless the Department of Homeland Security (DHS) chooses to terminate the grant of deferred action. The borrower has submitted this document to ask for approval consideration. There is no ID card to provide. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Permanent Resident Alien, Permanent ID Document is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXXXXX XXXXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | IL | Primary Residence | Purchase | NA | 7577520 | N/A | N/A |
| XXXX | XXXX |  | 305033681 | Closed | 2026-02-12 04:36 | 2026-02-13 11:51 | 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 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#'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 XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XX . The loan meets HPML 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX, XX . XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | IL | Primary Residence | Purchase | NA | 7577792 | N/A | N/A |
| XXXX | XXXX |  | 305032526 | Closed | 2026-02-16 21:03 | 2026-03-13 13:33 | 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-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Document provided was the XXXX. Please provide the XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX-Final - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | OH | Primary Residence | Purchase | NA | 7644287 | N/A | N/A |
| XXXX | XXXX |  | 305032526 | Closed | 2026-02-16 23:54 | 2026-03-13 13:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>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 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. Rate lock date was entered correctly see the pg#XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg# XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg# XXXX, 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 |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.X%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XX-XX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X) XX# XXX, XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXXX, XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX" - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | OH | Primary Residence | Purchase | NA | 7645125 | N/A | N/A |
| XXXX | XXXX |  | 305048395 | Closed | 2026-02-17 08:51 | 2026-02-20 03:53 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved, XXXX updated with correct fico. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-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. Provide updated XXXX the Qualifying FICO on the XXXX Page is XXX. But the Qualifying FICO from the Credit Liabilities Page is XXX. Highest mid score of all Borrowers. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXX XXXXXXX XXXX XXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7654542 | N/A | N/A |
| XXXX | XXXX |  | 305048395 | Closed | 2026-02-17 10:36 | 2026-02-18 06:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | 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 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#'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. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7658618 | N/A | N/A |
| XXXX | XXXX |  | 305071543 | Closed | 2026-02-24 03:28 | 2026-02-24 03:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page XXX<br> Exception Reason: Min Subject Months Reserves- Loan File X.XX months, GL Requirement Min X months<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXX XXX<br> XXXXXXXXX XXXXXX: XXX XXXXXXX XXXXXX XXXXXXXX- XXXX XXXX X.XX XXXXXX, XX XXXXXXXXXXX XXX X XXXXXX<br> XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXXX XXXXXXX XXXXXXX- XXXX XXXX XXXXXXX XXXXXX, XX XXXXXXXXXXX XXXXXXX XXXXXX<br> XXXXXXXX XXXXXXXXXX- X XXXXXX XXX XXXXX XXXXX XX/XXXX<br> XXXX XX XXX/XXXX XXXXXX XXXXX- XXXX XXXX $XX,XXX, XX XXXXXXXXXXX XXX XXXXXXXX<br> XXXXX- XXXXXXX - XXXXXXX XXXX XXXXXXXXXX XXXX XX.XXX% XX X.XXX%; XXXXXXX XXXXXXXX XXXX $X,XXX XX $X,XXX. XXXXXXX XX $X,XXX X XXXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7774173 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071543 | Closed | 2026-02-23 08:35 | 2026-02-24 03:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial BPA received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'Conventional' 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. Provide the Initial BPA executed at Initial Application - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXXXXXXXXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX.XXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7755136 | N/A | N/A |
| XXXX | XXXX |  | 305048599 | Closed | 2026-02-23 12:03 | 2026-03-17 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Document provided establishing existence of business at time of closing (dated X/XX/XXXX). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-SOS VOE provided - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The Secretary of State documents were reviewed several times and both copies in file have a date of X/XX/XXXX (pgs XX & XX). Loan closed X/XX/XXXX. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-There was also a secretary of state of Ohio search for the self employed business uploaded on X/XX which confirms the borrower is the owner of the business and it is active. The date of the search is shown on the top right had side of that search (X/XX/XX). Please clear this condition. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Counter-There was not an attachment. There was a CPA letter in the original file, however it was not date w/in XX business days of closing. Self employment disclosure in file was signed by borrower, so it was not verified by an outside entity. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the CPA letter and business self employment verification attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXX XX XXXXXXXX XX XXXX XX XXXXXXX (XXXXX X/XX/XXXX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Primary Residence | Purchase | NA | 7761526 | N/A | N/A |
| XXXX | XXXX |  | 305048599 | Closed | 2026-02-23 12:55 | 2026-02-24 07:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated income calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please find the revised bank statement income worksheet attached. Thank you - Due Diligence Vendor-XX/XX/XXXX <br>Open-There was an income worksheet in the file, however the dates underwriter used for the calculation were for XXXX. Please provide clarification. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | OH | Primary Residence | Purchase | NA | 7762697 | N/A | N/A |
| XXXX | XXXX |  | 305048599 | Closed | 2026-02-18 22:43 | 2026-02-18 22:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | 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 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#'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 confirmation the appraisal was delivered to the borrower – see Pg#'s 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 |  | XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | OH | Primary Residence | Purchase | NA | 7690520 | N/A | N/A |
| XXXX | XXXX |  | 305031119 | Closed | 2026-02-23 10:15 | 2026-04-23 17:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-DSCR ratio is X.XXX based on the lower rent roll provided on page XX of the appraisal. No lease required. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-\*\*Correction: After further review it appears rent roll total amount of $XXXX.XX was added vs. using market rent/economic rent of XX,XXX Out DSCR ratio is X.XXX based on the lower rent roll provided on page XX of the appraisal. No lease required. My apologies for the confusion. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see economic rent/ XX,XXX - Buyer-XX/XX/XXXX <br>Counter-The $Xk used is actual rent per Appraisal not market rent. We are also missing the lease for XN $XXXX. Appraisal shows lease ended X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Market rent was used to qualify for this DSCR loan; however, we did use the lower of the two amounts to qualify at XK to determine our DSCR ratio of X.XXX% Please clear this finding as presented, thank you. - Buyer-XX/XX/XXXX <br>Open-We have leases for X out of X units. Unit XS: $XXXX, Unit XS: $XXXX, Unit XS $XXXX, UnitXN: $XXXX and Unit XN: $XXXX. The file is missing lease for the last unit listed as $XXXX on the appraisal. Per matrix, vacant unit use XX% of market rent $XXXXx .XX= $XXXX used for the last unit missing lease, Total rent used for ratio XXXX/XXXX.XX=X.XXX does not meet the minimum X.XX. Missing required lease agreement. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXX XX X.XXX XXXXX XX XXX XXXXX XXXX XXXX XXXXXXXX XX XXXX XX XX XXX XXXXXXXXX. XX XXXXX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXXXXX XXXX XXXX..XXX |  |  | IL | Investment | Purchase | NA | 7758399 | N/A | N/A |
| XXXX | XXXX |  | 305031119 | Closed | 2026-02-23 11:37 | 2026-04-23 17:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XX.XX% LTV is below the maximum XX% LTV by XX.XX%. $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. - Seller-XX/XX/XXXX <br>Counter-Borrower X is first time homebuyer. First-Time Home Buyers are ineligible. XX must approve exception. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find property profile report. and no LOE is required per XX.X.X - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines First time homebuyers are ineligible borrowers. Borrower X is first time homebuyer and first time investor, living rent free with borrower X. Pending rent free letter, missing lease to recalculate ratio to meet minimum ratio X.XX. - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX approves exception. Comp Factors: XX.XX% LTV is below the maximum XX% LTV by XX.XX%. $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX.XXX_XXXXX_<br> XX.X.X.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br>| IL | Investment | Purchase | NA | 7760720 | Originator Post-Close | No |
| XXXX | XXXX |  | 305031119 | Closed | 2026-02-22 04:20 | 2026-03-31 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-BX is first time homebuyer (son) living rent free with parent (BX). Ok to proceed as an exception is required for BX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. UW conditioned for evidence primary residence XXXXXXX XXXXXX XX has been owned free and clear for the prior XX- month period. Property valuation report was provided and in name of XXXXXXX XXXXXXXXX. Title also reflects joint with our borrower and XXXXXXX XXXXXXXXX. No additional LOE as to rent free was requested. <br>Provide evidence borrowers' primary residence (XXXXXXX XXXXXX XX XXXXXXXX XX) has been owned free and clear for the most recent XX- month period or a XX month VOM will be required.<br>UW reserves the right to ask for additional information if occupancy concerns are present, no LOE was requested. Please rescind this finding, thank you. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower staying in current address as rent free and LOX is not provided for the same. Provide LOX from property owner. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. UW conditioned for evidence primary residence XXXXXXX XXXXXX XX has been owned free and clear for the prior XX- month period. Property valuation report was provided and in name of XXXXXXX XXXXXXXXX. Title also reflects joint with our borrower and XXXXXXX XXXXXXXXX. No additional LOE as to rent free was requested. <br>Provide evidence borrowers' primary residence (XXXXXXX XXXXXX XX XXXXXXXX XX) has been owned free and clear for the most recent XX- month period or a XX month VOM will be required.<br>UW reserves the right to ask for additional information if occupancy concerns are present, no LOE was requested. Please rescind this finding, thank you. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XX XXXXX XXXX XXXXXXXXX (XXX) XXXXXX XXXX XXXX XXXX XXXXXX (XX). XX XX XXXXXXX XX XX XXXXXXXXX XX XXXXXXXX XXX XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.X.X.XXX |  |  | IL | Investment | Purchase | NA | 7741146 | N/A | N/A |
| XXXX | XXXX |  | 305042626 | Closed | 2026-02-24 15:48 | 2026-03-02 12:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-The Dec page for XXXXX XXXXXXXXX and the RCE for both XXXXX XXXXXXXXX and XXXXX XXXXXXXXX XXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-The Hazard Insurance Coverage Amount is less than Required Coverage Amount. The Coverage Amount from the two Dec Pages provided total $XXX,XXX which is less than the LA of $XXX,XXX. The third Dec Page with the coverage amount is missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXXX XXX XXXXX XXXXXXXX XXX XXX XXX XXX XXXX XXXXX XXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXXX. XXX XXXXXXXX XXXXXXXXX XXXXXX XXX XXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'X/X') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7787946 | N/A | N/A |
| XXXX | XXXX |  | 305042626 | Closed | 2026-02-24 12:05 | 2026-03-02 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The Dec page for XXXXX XXXXXXXXX and the RCE for both XXXXX XXXXXXXXX and XXXXX XXXXXXXXX XXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy This is a six-unit property. The IEADS reflects the hazard insurance premium of $X,XXX.XX. There are two Hazard Insurance Dec Pages in file: X) XXXXX XXXXXXXXX XXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, Premium $XXXX.XX, RCE is in file; and X) XXXXX XXXXXXXXX XXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, RCE is missing, Premium $XXXX.XX. The total of the two premium amounts is $XXXX.XX. The remaining Hazard Dec Page with the premium amount of $XXXX.XX and RCE is missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXX XXXX XXX XXXXX XXXXXXXX XXX XXX XXX XXX XXXX XXXXX XXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX XXXXXXXX XX XXXXXXXX. XXX XXXXXXXX XXXXXXXXX XXXXXX XXX XXXX XXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7783042 | N/A | N/A |
| XXXX | XXXX |  | 305042626 | Closed | 2026-02-24 15:54 | 2026-03-02 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-The Assignment of Leases and Rents Rider was provided in Findings: AOLAR RIDER - XXXXXXX XXXXXXX.XXX. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-The Assignment of Leases and Rents Rider referenced in the DOT is missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXXXX XX XXXXXX XXX XXXXX XXXXX XXX XXXXXXXX XX XXXXXXXX: XXXXX XXXXX - XXXXXXX XXXXXX.XXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXX - XXXXXXX XXXXXX.XXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7787995 | N/A | N/A |
| XXXX | XXXX | 9102564428 | 305077655 | Closed | 2026-02-20 00:47 | 2026-02-26 01:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Lender approval form. Lender approval form missing from file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXXXXXX.XXX |  |  | NJ | Primary Residence | Purchase | NA | 7713701 | N/A | N/A |
| XXXX | XXXX |  | 305085876 | Closed | 2026-02-20 03:47 | 2026-02-27 01:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE provided, updated & condition resolved.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X VOE is missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | TX | Second Home | Purchase | NA | 7714519 | N/A | N/A |
| XXXX | XXXX | 9102564440 | 305077649 | Closed | 2026-02-22 06:31 | 2026-02-25 21:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Disbursement date is prior to notary date, provided updated settlement statement, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provided disbursement date X/X/XXXX is prior to notary date XX/XX/XXXX. Require updated HUD doc with corrected disbursement date. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XXXX XX XXXXX XX XXXXXX XXXX, XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXX-X XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX XXXXXXXXX (X).XXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7741381 | N/A | N/A |
| XXXX | XXXX |  | 305030973 | Closed | 2026-02-24 00:08 | 2026-03-19 03:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX provided, resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Final XXXX did not print for closing packet - was signed afterwards. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | CT | Primary Residence | Purchase | NA | 7772562 | N/A | N/A |
| XXXX | XXXX |  | 305030973 | Closed | 2026-02-24 02:14 | 2026-03-02 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document received. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Fraud report - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Fraud Report Missing in File. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | CT | Primary Residence | Purchase | NA | 7773649 | N/A | N/A |
| XXXX | XXXX |  | 305030973 | Closed | 2026-02-24 01:39 | 2026-03-02 01:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-XXXXXXX XXX approved Condominium, XXX Questionnaire not required, Verified - Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Questionnaire not pulled - Condo already approved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-XXX Questionnaire is Missing or Partial. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XXXXXXXX XXXXXXXXXXX, XXX XXXXXXXXXXXXX XXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | CT | Primary Residence | Purchase | NA | 7773492 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-02-26 06:16 | 2026-03-19 06:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower X Personal Tax Returns Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-Updated lock confirmation required confirming borrower is qualifying with bank statements. Current rate lock in file states borrower is qualifying using full doc. Finding countered. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. The bank statements are in the file and bank statement income was for sure used to qualify. Please clear this. - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-On page XXX, there is an income calculator which states Sch C, there are no bank statements in the file. all indications point to Sch C used to qualify the loan. Provide brw tax returns including Sch C so we may confirm income. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-we are using bank statement to qualify like we did on this loan, then we don't also need tax returns as that will contradict the bank statement income. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Personal Tax Returns Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-we are using bank statement to qualify like we did on this loan, then we don't also need tax returns as that will contradict the bank statement income. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX X XXXXXXXX XXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXXXXXXX XXXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXXXX.XXX_XXXXX_<br> XX XXXX XXXXXXXXXXXX.XXX_XXXXX_<br> XX XXXX XXXXXXXXXXXX.XXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7819622 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-02-26 22:37 | 2026-03-09 06:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-CD's updated and mavent run now passes. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XX'X XXXXXXX XXX XXXXXX XXX XXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7837979 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:51 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | 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#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 _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969071 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:51 | 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#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 _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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)) working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX#XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969069 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Commitment (Rate Lock) 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 _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Commitment (Rate Lock) Fee, Commitment (Rate Lock) 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 _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Commitment (Rate Lock) Fee, Document Preparation Fee, Commitment (Rate Lock) 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)). working Mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Commitment (Rate Lock) Fee, Points - Loan Discount Fee, Document Preparation Fee, Commitment (Rate Lock) Fee, Appraisal Fee, Closing Protection Letter, Lender's Title Policy. 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)). working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Commitment (Rate Lock) Fee, Underwriting Fee, Points - Loan Discount Fee, Document Preparation Fee, Appraisal Fee, Closing Protection Letter, Lender's Title Policy. 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)). working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969073 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). 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 CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969067 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:21 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-There are ($X.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969068 | N/A | N/A |
| XXXX | XXXX |  | 305048398 | Closed | 2026-03-06 06:34 | 2026-03-06 09:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Intangible Tax). 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 CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). working mavent - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7969070 | N/A | N/A |
| XXXX | XXXX |  | 305082498 | Closed | 2026-02-26 22:24 | 2026-03-06 01:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested DOT provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see attached.<br> - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Missing Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXX XXX X XXXXXXXXX XXX.XXX |  |  | NC | Investment | Refinance | Cash Out - Other | 7837904 | N/A | N/A |
| XXXX | XXXX |  | 305082498 | Closed | 2026-02-26 21:31 | 2026-03-05 03:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final BPA in file, No Initial BPA required for DH-Sub lender, hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX _xXXXD_<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. Business Purpose Affidavit is missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXX XX XXXX, XX XXXXXXX XXX XXXXXXXX XXX XX-XXX XXXXXX, XXXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX |  |  | NC | Investment | Refinance | Cash Out - Other | 7837389 | N/A | N/A |
| XXXX | XXXX |  | 305071404 | Closed | 2026-03-03 00:23 | 2026-03-05 03:02 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS is not required on BPL loans, hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-IEADS is not required on BPL loans, please rescind<br> - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The Loan has Escrows- The initial escrow account disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XX XXX XXXXXXXX XX XXX XXXXX, XXXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Investment | Refinance | Cash Out - Other | 7888740 | N/A | N/A |
| XXXX | XXXX |  | 305071404 | Closed | 2026-02-27 00:26 | 2026-03-05 03:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final BPA is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX _xXXXX_<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. Provide the signed final Business purpose affidavit from the settlement closing date. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXX XX XXXXXXX XX XXXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7838750 | N/A | N/A |
| XXXX | XXXX |  | 305071394 | Closed | 2026-03-02 23:34 | 2026-03-24 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Case-by-case, Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-XX.X.X - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Provide the section or page of the GL that state housing history can be reviewed on a case by case basis. From my review, a LOX must be provided in this situation. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Borrowers living rent free may be considered on a case by case basis with evidence of continued occupancy. Borrower has been living rent free for XX years. The UW didn't have any concerns about reverse occupancy on this transaction therefore didnt request additional documentation - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-Per guidelines evidence of primary housing is required borrower must own or rent primary. Mortgage statement and Closing disclosure provided does not reflect borrower's name. Previous primary reflects as no primary housing on XXXX. A Letter of living rent free was not provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History considered X months as there is no proof of previous mortgage no housing expenses. Finding added. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XX.X.X - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXX-XX-XXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX_XXXXXXX XXXXXXX-XX XX XXXXX.XXX |  |  | FL | Investment | Purchase | NA | 7888421 | N/A | N/A |
| XXXX | XXXX |  | 305071394 | Closed | 2026-03-02 21:11 | 2026-03-12 03:07 | 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 document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<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 _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Title Coverage Amount of $XXXXX is Less than Loan Amount title coverage amount is XXXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXXXXXX XX XXXX XXXX XXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX, XXXXX XXXXXX.XXX |  |  | FL | Investment | Purchase | NA | 7886547 | N/A | N/A |
| XXXX | XXXX |  | 305071394 | Closed | 2026-03-03 01:48 | 2026-03-10 03:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested Hazard insurance policy provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXX.XXX |  |  | FL | Investment | Purchase | NA | 7889132 | N/A | N/A |
| XXXX | XXXX | 9102566227 | 305077645 | Closed | 2026-03-02 05:01 | 2026-03-04 12:51 | Resolved | 1 - Information C A | Compliance | Mavent | System: RuleEngine | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Formula[LenderEntityType] Evaluation Failure. Error = LenderEntityType can't be empty. Compliance failed for empty Lender Entity Type . - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7867022 | N/A | N/A |
| XXXX | XXXX |  | 305071531 | Closed | 2026-03-13 13:17 | 2026-05-21 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested CPA letter in lieu of Xrd party VOE provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-See attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXX XXXXXX XX XXXX XX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX XX XXX XXXXXXXXXX (XXXXXX XX XXXXXXXXX XXXXXX X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 8104082 | N/A | N/A |
| XXXX | XXXX |  | 305071531 | Closed | 2026-03-16 12:55 | 2026-05-21 09:22 | 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 _xXXXX_<br> Ready for Review-See attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 8134783 | N/A | N/A |
| XXXX | XXXX |  | 305071531 | Closed | 2026-03-13 23:22 | 2026-03-20 02:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested Credit report for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Credit report attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXX XXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 8110818 | N/A | N/A |
| XXXX | XXXX |  | 305071531 | Closed | 2026-03-13 23:22 | 2026-03-20 02:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report for BX provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Credit report attached - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXX XXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 8110817 | N/A | N/A |
| XXXX | XXXX |  | 305071531 | Closed | 2026-03-14 02:17 | 2026-03-14 06:12 | 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 (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 #XXX-XXX 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-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, XXX-XXX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX #XXX-XXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX-XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX . - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8111156 | N/A | N/A |
| XXXX | XXXX |  | 305028163 | Closed | 2026-03-09 11:11 | 2026-03-24 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-XXXXXX provided updated Note. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated Note uploaded for review. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-The Note is Incomplete Guaranty in file and Title vesting confirms borrower signed Note as LLC however Note is currently signed without LLC listed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXX XXXX.XXX |  |  | CT | Investment | Purchase | NA | 8001247 | N/A | N/A |
| XXXX | XXXX |  | 305028163 | Closed | 2026-03-04 05:31 | 2026-03-23 23:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested updated DOT with LLC sign provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-The Deed of Trust is Present and Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Updated Mortgage uploaded for review. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Incomplete Title vesting goes to LLC name, but borrower singed DOT as a Individual listed as sole member, We need updated DOT singed By LLC. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXX XXX XXXX XXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXX XX XXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXXXX XXXXXXXX.XXX |  |  | CT | Investment | Purchase | NA | 7915479 | N/A | N/A |
| XXXX | XXXX |  | 305028163 | Closed | 2026-03-04 21:14 | 2026-03-12 21:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-XX approves exception - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Loan does not conform to program guidelines Exception is provided page no#XXXX, XXXX<br> Exception for "Exception needed as the current rent for the subject is paid in cash and is unable to be documented"<br> "Exception approved for inability to document most recent X mo receipt for units now<br> month to month per clause in original annual lease. All subject units tenant occupied. Most on<br> annual leases with X mo remaining on term, but a couple now month to month. Need rent roll or<br> ledger of rents received from seller of property and confirmation that none of the tenants have<br> requested forbearance or missed payments in the past XX mo." - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX. | CT | Investment | Purchase | NA | 7935047 | Investor Post-Close | No |
| XXXX | XXXX |  | 305071464 | Closed | 2026-03-04 02:21 | 2026-03-09 09:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Exception on page XXXX approved to allow LTV of XX.XXX% (vs. XX%). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXX XX XXXX XXXX XXXXXXXX XX XXXXX XXX XX XX.XXX% (XX. XX%). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXXXXXX XXX $XXX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. | FL | Second Home | Refinance | No Cash Out - Borrower Initiated | 7912752 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071309 | Closed | 2026-03-04 02:18 | 2026-03-12 03:21 | 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 document, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXXXX XX XXXX XXXX XXXX XXXXXX, XXXXXXXX XXXXXXX XXXXX XXXXXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXX_X.XXX |  |  | NV | Investment | Refinance | Cash Out - Other | 7912745 | N/A | N/A |
| XXXX | XXXX |  | 305071357 | Closed | 2026-03-06 00:14 | 2026-03-16 01:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is missing in fie, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Title Document is missing Missing evidence of Title. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXX XX XXX, XXXXXXXX XXX XXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXX_XXXXXXXX_X.XXX_X_XX_XXXX.XXX |  |  | GA | Investment | Refinance | Cash Out - Other | 7964051 | N/A | N/A |
| XXXX | XXXX |  | 305071476 | Closed | 2026-03-05 06:36 | 2026-03-30 17:11 | Waived | 2 - Non-Material C B | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. XX agrees with the underwriter exception. - XXXXX-XX/XX/XXXX _xXXXD_<br> Open-Manager Notes: Exception to allow collection account to remain open is approved. Collection from XXXXXXX XXXXXXX XXXXXXX dated X/XX for $XXXX to remain open. Borrower has sufficient reserves to cover<br> account and reserve requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXXXX.XXX |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.<br> XXXXXX XXXXX XX XXX XXX XXXXXXX XXXXXXX XX XXX - XXXXXXX XXXXXXX XX XX<br> XXXX XXXXX XX X.XXX - XXXXXXX XXXXXXX XX .XXX<br>| FL | Investment | Refinance | Cash Out - Other | 7940634 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082779 | Closed | 2026-03-17 07:09 | 2026-04-08 07:19 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-XXXXXX provided disaster inspection showing no damage to the subject property/neighborhood due to the recent disaster that was filed. finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Disaster report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open-Property potentially affected by XXXX Disaster ID XXXX. SEVERE WINTER STORM XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXX XX XXXXXX XX XXX XXXXXXX XXXXXXXX/XXXXXXXXXXXX XXX XX XXX XXXXXX XXXXXXXX XXXX XXX XXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | MS | Investment | Refinance | Cash Out - Other | 8148476 | N/A | N/A |
| XXXX | XXXX |  | 305082779 | Closed | 2026-03-17 12:07 | 2026-03-24 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-XXXXXX provided required documents - finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Business/occupancy - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Counter-LOE provided does not clear this finding - Business Purpose Affidavit is required for a DSCR loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated X/XX/XX in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Loe - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated X/XX/XX in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | MS | Investment | Refinance | Cash Out - Other | 8159064 | N/A | N/A |
| XXXX | XXXX |  | 305071533 | Closed | 2026-03-17 09:15 | 2026-03-19 06:35 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Executed Initial XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing MLO signature and date on initial XXXX - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXXXXXX_X.XXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 8152348 | N/A | N/A |
| XXXX | XXXX |  | 305071533 | Closed | 2026-03-17 03:30 | 2026-03-17 03:57 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | 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. 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 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 |  | XXXXXXXX-XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX , XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 8144975 | N/A | N/A |
| XXXX | XXXX |  | 305071344 | Closed | 2026-03-10 02:14 | 2026-03-13 13:44 | 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.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 page XXX-XXXand the Final Closing disclosure on page XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX-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 XXXX and copy of the appraisal was given to the borrower – see page XXX-XXX. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX-XXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX-XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX-XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX-XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX-XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TX | Primary Residence | Purchase | NA | 8012365 | N/A | N/A |
| XXXX | XXXX |  | 305071489 | Closed | 2026-03-11 02:09 | 2026-04-20 04:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX Months rent history proof uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. New rent XXX XXXX - XXXX XXXXXX XXXXX unit XXXX - see lease and proof pf deposits and payments - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX XXXXXXXX XXX rented from X.XXXX to X/XXXX(See rent statements) - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to Verify Primary Housing History , Borrower is living on this Property = XXXX XXXXXXXX XXX XXX-XXX on rent from past X years but there is not Payment proof of the rent Payment History - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXXX XXXX XXXXXXX XXXXX XXXXXXXX, XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXX XXXXXXX XXX XXXX XX XXXX XXXX - XXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXX XXXXXXX XX XXXXXX XXXXXXXXXXXXXXXXX XXXXXX XXX XXXX XX XXX XXXX .XXX_XXXXX_<br> XXX XXXXXX XXXXXXX XXX XXXXX XXXXX XXXX .XXX_XXXXX_<br> XXXXXXX_XXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX_XXXX-XX-XX_XX-XX-XX.XXX_XXXXX_<br> XXXXXXX_XXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX_XXXX-XX-XX_XX-XX-XX.XXX_XXXXX_<br> X XXXXXXX XXXXXX #XXXX XXXXXXX XXXXXXXXX .XXX_XXXXX_<br> XXXXX_XXXXXXXX- XXXXXX XXXX.XXX_XXXXX_<br> XXX XXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX .XXX_XXXXX_<br> X_XXX XXXXXXX XXXXXXXXX XXX XXXXXXX XXXXX,XXX.XXX_XXXXX_<br> X_XXXXXXX XXXX XXXXXXXX_X_XXXXXXX- XXXX XXXXXXXX XXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8036118 | N/A | N/A |
| XXXX | XXXX |  | 305071489 | Closed | 2026-03-10 23:55 | 2026-04-06 05:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE covers the dwelling. Hence Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find e-mail stating this HOI policy has replacement cost for the dwelling. Please clear this finding as presented, thank you. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Dwelling Amount XXXXXX is not covering the Loan Amount XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXX XXXXXXXX. XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXX XX XXX XXX XXXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8035288 | N/A | N/A |
| XXXX | XXXX |  | 305071449 | Closed | 2026-03-11 03:16 | 2026-04-24 13:30 | 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>Unable to Resolve-Unable to Resolve-Document Uploaded. Please find exception to clear this finding, thank you - Buyer-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV for cash-out transactions if the subject property was listed for sale in the X months prior to application date a X% LTV reduction from the maximum Available for specific transaction is required. After reduction of X% LTV Audited LTV is XX% is not Matches with guideline LTV XX% - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXX XXXXXXX.XXX |  | XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX<br> XXXX X.XXX XXXXXXX XXX XXXXXXXXXX XX X<br> XXXXXXXXXXX XXXXXXXX- XXXXXXXX XXXX X XXXXXXXXXX XXXXXXXXXX, XXXXXXXXXX XXXXXXXXXX XXX XXXXXXXXXX XX XXXX | WI | Investment | Refinance | Cash Out - Other | 8036548 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071449 | Closed | 2026-03-14 09:28 | 2026-04-24 13:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Formal exception in loan file - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. Please find exception to clear this finding, thank you - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Per appraisal property was sold on XX/XX/XXXX for $XX,XXX per guidelines for cash out seasoning less than X months lesser of purchase price or appraisal value must be used - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XXXXXXXXX XXXXXXX.XXX |  | XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX<br> XXXX X.XXX XXXXXXX XXX XXXXXXXXXX XX X<br> XXXXXXXXXXX XXXXXXXX- XXXXXXXX XXXX X XXXXXXXXXX XXXXXXXXXX, XXXXXXXXXX XXXXXXXXXX XXX XXXXXXXXXX XX XXXX | WI | Investment | Refinance | Cash Out - Other | 8111855 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071491 | Closed | 2026-03-23 03:48 | 2026-04-13 03:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is within the guidelines LTV of XX% hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached updated guidelines confirming that this scenario is allowable. This is a DSCR wholesale loan with a credit score of XXX and a rate/term refinance (no cash-out) with an LTV of XX%.<br>Per the attached guidelines, the maximum allowable LTV is XX%, and this loan falls within those limits.<br>Please clear this finding. - Seller-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached updated guidelines confirming that this scenario is allowable. This is a DSCR wholesale loan with a credit score of XXX and a rate/term refinance (no cash-out) with an LTV of XX%.<br>Per the attached guidelines, the maximum allowable LTV is XX%, and this loan falls within those limits.<br>Please clear this finding. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXX XX XX% XX XXXXXX XXX XXXXXXXXXX XXX XX XX% XXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXX XX XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXX XX XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXX_XXXX XXXXXXXX (XX).XXX_XXXXX_<br> XXXXXXXXXX XXXX XXXXXXXXXX.XXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8257256 | N/A | N/A |
| XXXX | XXXX |  | 305071491 | Closed | 2026-03-10 05:08 | 2026-04-13 03:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proceeds from sale CD provided. Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final CD from the proceeds of this loan. - Buyer-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Missing asset documentation from the file to cover reserves. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXXX XX XXXXXXXX. XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXX_XX.XXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8013770 | N/A | N/A |
| XXXX | XXXX |  | 305071491 | Closed | 2026-03-10 21:35 | 2026-03-23 04:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with premium provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached insurance - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Missing premium due page. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached insurance - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXXXXXXXX-XX-XXXX.XXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8034826 | N/A | N/A |
| XXXX | XXXX |  | 305071491 | Closed | 2026-03-16 14:38 | 2026-03-23 04:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the email from the insurance agent confirming XXX% replacement cost for this property. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Insufficient coverage listed on the HOI. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the email from the insurance agent confirming XXX% replacement cost for this property. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XXX XXXXX.XXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8137309 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-04-15 10:36 | 2026-04-16 09:55 | 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 _xXXXD_<br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed final CD and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Executed Final CD is missing from file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX: XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XX.XXX |  |  | PA | Investment | Purchase | NA | 8682390 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-16 15:41 | 2026-04-15 10:55 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-Lender provided fully executed first payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed First Payment Letter and rescind finding, thank you. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Executed payment letter is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see signed First Payment Letter and rescind finding, thank you. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXXXX XXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXX XXXXXX.XXX |  |  | PA | Investment | Purchase | NA | 8138347 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-16 15:41 | 2026-04-15 10:52 | Resolved | 1 - Information B A | Credit | Doc Issue | Annual Occupancy Certification is Unexecuted | Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed Affidavit of Occupancy and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Executed Occupancy affidavit is missing from file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XX XXXXXXXXX.XXX |  |  | PA | Investment | Purchase | NA | 8138345 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-11 01:48 | 2026-04-15 10:51 | 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 _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed fully executed DOT and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Not Executed Deed of Trust document is missing the borrower's signature & date. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXX.XXX |  |  | PA | Investment | Purchase | NA | 8036024 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-11 01:45 | 2026-04-15 10:34 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed Note and rescind finding, thank you. - Seller-XX/XX/XXXX _xXXXD_<br> Open-The Note is Not Executed Note document is missing the borrower's signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see signed Note and rescind finding, thank you. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXX XXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXX.XXX |  |  | PA | Investment | Purchase | NA | 8036007 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-11 01:41 | 2026-04-15 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Lender provided fully executed final business purpose disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Lender provided fully executed final business purpose disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed Business Purpose Affidavit and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<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. Final executed Business Purpose Affidavit Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXX XXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXXXXXX.XXX |  |  | PA | Investment | Purchase | NA | 8035993 | N/A | N/A |
| XXXX | XXXX |  | 305054694 | Closed | 2026-03-11 03:34 | 2026-04-15 04:31 | Resolved | 1 - Information C A | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Resolved-Requested signed guaranty agreement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see signed Guaranty and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-XXXXXXXXXX do not allow entity to sign note Note & DOT singed as XXX however executed guaranty is missing from file. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXX XXXXXXXX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX.XXX |  |  | PA | Investment | Purchase | NA | 8036731 | N/A | N/A |
| XXXX | XXXX |  | 305071468 | Closed | 2026-03-11 03:57 | 2026-03-23 04:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with premium provided.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached insurance - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Policy Partially Provided Hazard Insurance Premium missing from HOI document provided. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XXXX XXXXXXX XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXXXXXXXXXX-XX-XXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8036923 | N/A | N/A |
| XXXX | XXXX |  | 305071468 | Closed | 2026-03-11 03:57 | 2026-03-23 04:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Provided insurance agent confirming that the property is covered at XXX% replacement cost. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached letter from the insurance agent confirming that the property is covered at XXX% replacement cost - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXX XXXXXXXXXX XXXX XXX XXXXXXXX XX XXXXXXX XX XXX% XXXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8036922 | N/A | N/A |
| XXXX | XXXX |  | 305071487 | Closed | 2026-03-13 16:02 | 2026-04-23 18:19 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Data is updated and amounts are accurate. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. The finding is X% on amount that exceeds XX% for XX months calculates to $XX,XXX. <br> Final CD states max PPP is $XX,XXX. I don't see where the XX% is coming from. Everything mentions X% for X years and acceptable per matrix.<br> - Buyer-XX/XX/XXXX _xXXXD_<br> Open-X% on amount that exceeds XX% for XX months calculates to $XX,XXX. Final CD states max PPP is $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XX XXXXXXX XXX XXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8107739 | N/A | N/A |
| XXXX | XXXX |  | 305071487 | Closed | 2026-03-11 21:54 | 2026-04-20 09:51 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Per email, dwelling is XXX% replacement cost. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached email from the insurance agent confirming that this policy is at XXX% replacement cost, which addresses the coverage shortage. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Loan amount $XXX,XXX.<br> Dwelling Coverage $XXX,XXX.<br> RCE per Appraisal $X,XXX,XXX x.XX = $XXX,XXX.<br> Dwelling coverage does not cover RCE @ XX% or loan amount $XXX,XXX.<br> Missing RCE from Insurer. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXX, XXXXXXXX XX XXX% XXXXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XX XXXXXXX (XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXX XX 'XX') - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX - XXX XXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8060798 | N/A | N/A |
| XXXX | XXXX |  | 305048500 | Closed | 2026-03-11 02:25 | 2026-04-14 12:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please find PCCD and check mailed to borrower. Please clear as presented, thank you - Buyer-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Broker Fee is increased from Revised LE($X,XXX) to Initial CD ($X,XXX.XX) which is less than $X and is acceptable. Appraisal Fee Increased from Revised LE ($XXX) to ($XXX) but coc is not available in file. Provide COC for Appraisal Fee Increase - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX_XXXXX_<br> XXX XXX XXXX.XXXX_XXXXX_<br> XXXXX XXXX XX.XX XX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXXXXXXX-XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |  |  | SC | Primary Residence | Purchase | NA | 8036188 | N/A | N/A |
| XXXX | XXXX |  | 305048500 | Closed | 2026-03-11 02:25 | 2026-04-14 12:04 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. The changes in lender credits throughout the loan process are attributable to pricing adjustments associated with interest rate selection and rate lock activity. Upon review of the loan file, the decrease in lender credits reflects changes in pricing resulting from rate lock and market-driven adjustments, rather than undisclosed or unsupported fee changes.<br>Lender credits are directly tied to rate pricing and may fluctuate based on borrower rate selection, lock timing, and market conditions. These adjustments are permissible under TRID and do not constitute a tolerance violation when driven by valid pricing changes.<br>Accordingly, the variations in lender credits are supported by rate/pricing changes and do not require separate Change of Circumstance documentation beyond the applicable redisclosures tied to those pricing adjustments. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credit decreased from Initial LE($X,XXX) to Revised LE ($X,XXX), again Lender credits increased from Revised LE($X,XXX) to Initial CD($X,XXX.XX), again Lender credits decreased from Initial CD to ($X,XXX.XX) Revised CD ($X,XXX.XX), again Lender credits decreased from Revised CD($X,XXX.XX) to Final CD ($X,XXX.XX). COC is not provided for the above Lender credit changes. Provide COC for the same. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX X,XXX.XXX_XXXXX_<br> XX X,XXX.XX.XXX_XXXXX_<br> XX XXXX.XX.XXX_XXXXX_<br> XX XXXX.XX.XXX |  |  | SC | Primary Residence | Purchase | NA | 8036186 | N/A | N/A |
| XXXX | XXXX |  | 305048500 | Closed | 2026-03-11 02:25 | 2026-04-10 05:50 | 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#'sXXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. 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 XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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. (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#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. 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 XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<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. (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#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. 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 XX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX-XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX-XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX-XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. <br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | SC | Primary Residence | Purchase | NA | 8036187 | N/A | N/A |
| XXXX | XXXX |  | 305071361 | Closed | 2026-03-11 05:10 | 2026-03-18 16:13 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Authorization to Sign Loan Documents signed by husband and wife was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Consent of spouse is missing in the file - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXXXXXX XX XXXX XXXX XXXXXXXXX XXXXXX XX XXXXXXX XXX XXXX XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXX XXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8039772 | N/A | N/A |
| XXXX | XXXX |  | 305071361 | Closed | 2026-03-16 12:41 | 2026-03-18 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The Lease Agreement for Unit B reflecting rent of $XXXX was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please read entire document - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The Lease Agreement for Unit B is missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXX XXXXXXXXX XXX XXXX X XXXXXXXXXX XXXX XX $XXXX XXX XXXXXXXX XX XXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8134462 | N/A | N/A |
| XXXX | XXXX |  | 305057919 | Closed | 2026-03-12 00:08 | 2026-03-26 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Rate Lock Document is Missing | Resolved-Rate lock updated to reflect XX month bank statement. Resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Corrected lock uploaded for review. - Buyer-XX/XX/XXXX _xXXXD_<br> Counter-The lock confirmation you sent still states that it is a XX month bank statement loan. However everything else on file is indicating it was a XX month bank statement. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Lock confirmation uploaded. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-As per Lock Confirmation "Income Doc Type: Business Bank Statement: XX Mos" however file is XX month bank statement, require correct lock document reflecting XX month - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXXX XXXXXXX XX XXXXXXX XX XXXXX XXXX XXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXX XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXX XX XXXX XXXXXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8061920 | N/A | N/A |
| XXXX | XXXX |  | 305057919 | Closed | 2026-03-10 23:33 | 2026-03-19 12:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Title fee moved from section C to Section B and Providers list was not adjusted appropriately, updated the drop down to creditors list and reran report. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. These are XX% category fees and CAN increase if the increase is within the XX% tolerance. Please find attached Fee Variance WS which shows nothing did increase more than XX% - Buyer-XX/XX/XXXX _xXXXD_<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, Recording Service 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)). Fees moved from section C to section B is not getting paid to the same creditor in provider of service, Provide COC - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXX XXXXX XXXX XXXXXXX X XX XXXXXXX X XXX XXXXXXXXX XXXX XXX XXX XXXXXXXX XXXXXXXXXXXXX, XXXXXXX XXX XXXX XXXX XX XXXXXXXXX XXXX XXX XXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8035143 | N/A | N/A |
| XXXX | XXXX |  | 305082636 | Closed | 2026-03-12 13:57 | 2026-03-30 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see attached lease agreement this is not a short term rental, please rescind - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Loan does not conform to program guidelines Please provide the exception for short term rental.<br> The borrower is a first time investor and provided a lease for X months. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | _XXXXX_ | XXXXX - XXXXXX XXXXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8080794 | N/A | N/A |
| XXXX | XXXX |  | 305082443 | Closed | 2026-03-11 23:34 | 2026-03-20 05:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX to reflect accurate FICO. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-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. XXXX fico score is "XXX" but credit score fico score is "XXX" by choosing primary wage earner mid score. Update XXXX with correct FICO - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXX XX XXXXXXX XXXXXXXX XXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8061735 | N/A | N/A |
| XXXX | XXXX |  | 305082443 | Closed | 2026-03-11 02:21 | 2026-03-20 01:25 | 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 - Resolved - Due Diligence Vendor-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>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Covering Loan Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXXXXXXXXX XXXXXXXX, XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X), XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX-XXXXXXXXXX.XXX |  |  | SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8036172 | N/A | N/A |
| XXXX | XXXX |  | 305082443 | Closed | 2026-03-12 04:12 | 2026-03-20 01:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - 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 within XX Business Days Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX, XXXXXXXXXX XXXXXX XXXX.XXX |  |  | SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8063518 | N/A | N/A |
| XXXX | XXXX |  | 305082522 | Closed | 2026-03-17 14:33 | 2026-03-19 06:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared High Alerts without cleared comments, a processor cert was not provided - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX - XXX XXXXXX.XXX |  |  | NC | Investment | Refinance | Cash Out - Other | 8164220 | N/A | N/A |
| XXXX | XXXX |  | 305071380 | Closed | 2026-03-11 23:02 | 2026-03-20 04:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Provide Property Tax with amount $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 8061013 | N/A | N/A |
| XXXX | XXXX |  | 305071380 | Closed | 2026-03-16 05:13 | 2026-03-19 16:19 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Unable to resolve. XX agrees with approved exception - Buyer-XX/XX/XXXX <br>Open-Property is approved section X housing with approved section X tenant.<br> - Approval letter from government is on file<br> - We have documented security deposit - right now with screen shot, but I will have bank statement/activity to<br> show deposit and account holder details.<br> - Online print out to show just how long it takes to obtain that first month rent (X-X months).<br> Exception on page XXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.<br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XXX XXXXXX XXXX XXX XXXXXXXX XXXXXXX | PA | Investment | Refinance | Cash Out - Other | 8121855 | Investor Post-Close | No |
| XXXX | XXXX |  | 304902571 | Closed | 2026-03-19 04:13 | 2026-03-24 00:48 | Resolved | 1 - Information B A | Credit | Credit | Spousal Consent Missing | Resolved-Spousal Consent is not Required for Business entity Loans, as Loan is Business entity. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Spousal Consent i snot Required for Business entity Loans, as Loan is Business entity, hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Our guidelines don't require a spousal consent form and title did not require it. thank you!<br>- Seller-XX/XX/XXXX <br>Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent from - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Our guidelines don't require a spousal consent form and title did not require it. thank you!<br>- Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXX XX XXX XXXXXXXX XXX XXXXXXXX XXXXXX XXXXX, XX XXXX XX XXXXXXXX XXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXX X XXXX XXXXXXXX XXX XXXXXXXX XXXXXX XXXXX, XX XXXX XX XXXXXXXX XXXXXX, XXXXX XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TX | Investment | Purchase | NA | 8206157 | N/A | N/A |
| XXXX | XXXX |  | 304902571 | Closed | 2026-03-19 07:48 | 2026-03-23 01:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-There is Open Lien in title Schedule C Pg, Provided updated title document with No open Liens, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Title Issue There is an open state tax lien on title pg#XXX with borrower's wife name also the tax lien document on pg#XXX with pending tax but no proof of payments are available to verify. Also on title states lien above item X page. XXX no documentation to locate the release in the real property records and requires the same to be secured and recorded is located OR provide final title policy showing cured See correction instrument on page XX of XXX for the document in question Also on page XXX Idemnity agreement is in file for property tax prorations were omittied from closing. WIll need final title policy showing liens have been cleared and no liens on the property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XX XXXX XXXX XX XXXXX XXXXXXXX X XX, XXXXXXXX XXXXXXX XXXXX XXXXXXXX XXXX XX XXXX XXXXX, XXXXXXX XXXX XX XXXXXX, XXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXX XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXX.XXX |  |  | TX | Investment | Purchase | NA | 8209098 | N/A | N/A |
| XXXX | XXXX |  | 304902571 | Closed | 2026-03-19 12:01 | 2026-03-20 12:56 | Waived | 2 - Non-Material C B | Credit | Debt | Mortgage history for primary residence less than 12 months | Waived-Received exception for not having XX month mortgage history for the spouse who is the seller for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Non Arm's length transaction wife selling the property to her husband. Based on guidelines. page. XX not intended to bail out a family member who had difficulties making their mortgage payment Review of title report as well as payment history pattern(VOM) for the sellers mortgage - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXX XXXXXXXXX XXX XXX XXXXXX XX XXXXX XXXXXXXX XXXXXXX XXX XXX XXXXXX XXX XX XXX XXXXXX XXX XXX XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX.XXX |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X.XX%.<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX. | TX | Investment | Purchase | NA | 8218856 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071340 | Closed | 2026-03-13 05:04 | 2026-03-26 04:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved, Updated with additional valuation. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Both appraisals uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-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 Provide secondary valuation, The collateral underwriter risk score is X.X on a scale of X to X. The additional valuation is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please disregard my uploaded document. I will get this from the seller. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded. - 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 Provide secondary valuation, The collateral underwriter risk score is X.X on a scale of X<br> to X. The additional valuation is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXXXXX XXXX XXXXXXXXXX XXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXXX XX XXXXXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXX XXXXXXXXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 8091096 | N/A | N/A |
| XXXX | XXXX |  | 305071508 | Closed | 2026-03-12 22:37 | 2026-04-17 08:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Formal exception in loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see approved exception and rescind finding, thank you. - Buyer-XX/XX/XXXX <br>Open-Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount is XXXXX less than the guidelines XXXXXX. XXXXXXXXX exception approval is required. <br>- Due Diligence Vendor-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount is XXXXX less than the guidelines XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXXX XX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX. <br> XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX.<br> XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. XXXXXXXX XXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX X XXXXX. XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX.  | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 8087004 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305071508 | Closed | 2026-03-18 09:01 | 2026-04-17 06:41 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is Missing | Resolved-Cert of Good standing provided. However, it is dated post close X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Cert of Good Standing and rescind finding, thank you. - Buyer-XX/XX/XXXX <br>Open-XX.X.X.X CERTIFICATE OF GOOD STANDING To ensure that the LLC remains in good standing with the state, a Certificate of Good Standing from the Secretary of State must be ordered. X) The Certificate of Good Standing is required for the formation state of the LLC. X) Ensure that the Certificate of Good Standing is dated no more than XX days prior to closing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX XXXX XXXXXXXX XXXXXXXX. XXXXXXX, XX XX XXXXX XXXX XXXXX X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XX XXXX XXXXXXXX.XXX |  |  | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 8183982 | N/A | N/A |
| XXXX | XXXX |  | 305071508 | Closed | 2026-03-18 08:43 | 2026-04-17 06:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Full title policy with Schedule C provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see title commitment with all schedules and rescind finding, thank you. - Buyer-XX/XX/XXXX <br>Open-Title Document is Incomplete Title is partial due to missing Schedule C - land description. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XXXXX XXXXXX XXXX XXXXXXXX X XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XX XXXXXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - XXXXX XXXXXXXXXX.XXX |  |  | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 8183538 | N/A | N/A |
| XXXX | XXXX |  | 305082512 | Closed | 2026-03-13 02:23 | 2026-03-24 03:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-title coverage is less than loan amount, requested title provided, Updated & Condition Resolved - Due Diligence Vendor-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>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XX XXXX XXXX XXXX XXXXXX, XXXXXXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 8088136 | N/A | N/A |
| XXXX | XXXX |  | 305061588 | Closed | 2026-03-16 05:38 | 2026-04-02 04:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-HOI policy invoice provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached insurance policy invoice, which reflects the policy number for this coverage.<br>Kindly clear this finding. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Provided HOI policy page #XXXX shows no policy number. Provide updated HOI doc. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXX XXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXX XXXXXXX X.XXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 8122199 | N/A | N/A |
| XXXX | XXXX |  | 305082494 | Closed | 2026-03-19 03:52 | 2026-03-27 11:32 | Acknowledged | 2 - Non-Material C B | Credit | Title | Satisfactory Chain of Title not Provided | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. Unable to resolve, XX agrees with exception approved by XXXXXXXXXX - Buyer-XX/XX/XXXX <br>Open-Unsatisfactory Chain of Title provided Required X months ownership on property as per XX however subject property has X months. provide updated documents. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8206018 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082494 | Closed | 2026-03-19 01:08 | 2026-03-24 00:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated Final CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached updated cd with accurate date of X/XX - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provided final CD signed date, notary date is XX/XX/XXXX however disbursement date is XX/XX/XXXX. Provide updated document. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX XX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8203985 | N/A | N/A |
| XXXX | XXXX |  | 305082488 | Closed | 2026-03-16 23:35 | 2026-04-02 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved, Note signed as an individual and as a member of the LLC. Guaranty not required. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note signed as an individual and as a member of the LLC. Guaranty not required. - Buyer-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement, due to the third page being missing from the Note I'm not able to determine if the Guaranty agreement is required. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX, XXXX XXXXXX XX XX XXXXXXXXXX XXX XX X XXXXXX XX XXX XXX. XXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXXXXX XXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 8142466 | N/A | N/A |
| XXXX | XXXX |  | 305082488 | Closed | 2026-03-17 22:55 | 2026-04-02 11:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Resolved, Updated complete Note. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Complete Note uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The Note is Incomplete The Note document page X of X is missing from the service file. Provide complete signed and dated note, The Note in the service file is missing the third page. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX, XXXXXXX XXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX XXXXXXXX XXXX.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 8174802 | N/A | N/A |
| XXXX | XXXX |  | 305066607 | Closed | 2026-03-18 06:17 | 2026-03-23 07:14 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Assets confirmed. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The documentation clearly shows the borrower had the ability to transfer the required closing funds of $XXX,XXX.XX to escrow. The $XX,XXX EMD also cleared on X/X/XXXX. All documentation in the file supports the availability of funds and validates the sources of the borrower's monies. please refer to XXXXX account XXXX and account XXXXX - Seller-XX/XX/XXXX <br>Open-Verified asset is $XXX,XXX.XX and required asset $XXX,XXX.XX, no reserves required, Short of assets -$X,XXX.XX. Provide assets of $XXXX.XX to cover cash to close. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The documentation clearly shows the borrower had the ability to transfer the required closing funds of $XXX,XXX.XX to escrow. The $XX,XXX EMD also cleared on X/X/XXXX. All documentation in the file supports the availability of funds and validates the sources of the borrower's monies. please refer to XXXXX account XXXX and account XXXXX - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8180276 | N/A | N/A |
| XXXX | XXXX |  | 305066607 | Closed | 2026-03-18 01:01 | 2026-03-19 08:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the California 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%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) 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 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#'sXXX-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#'s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX-XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8175929 | N/A | N/A |
| XXXX | XXXX |  | 305066607 | Closed | 2026-03-18 01:01 | 2026-03-18 01:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | 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 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#'sXXX-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#'s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXX'X (X.XX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX-XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8175928 | N/A | N/A |
| XXXX | XXXX |  | 305071386 | Closed | 2026-03-17 21:47 | 2026-03-23 02:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested final Business Purpose Affidavit Disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX _xXXXX_<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. Business Purpose Document Signed at closing is missing in file - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXX XXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX (XXXX XXXX XXXX XXXX XX XXXX.) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXX - XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 8174455 | N/A | N/A |
| XXXX | XXXX |  | 305071435 | Closed | 2026-03-20 09:28 | 2026-04-08 07:56 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal | Resolved-Lender provided photos during renovation which confirms appraisal report renovations completed and value is supported - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see prior to renovation photos and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Per XXXXXXXXXX, since the subject was purchased within the last X months the following is required: <br>If the property was acquired < X months from note date and the property was subsequently renovated, the appraised value can be used, subject to the below requirements: <br> o Provide original listing photos and/or original appraisal from purchase illustrating property condition prior to renovation. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXXXXX XXXXXXXXXX XXXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXX XXXXXXXXX XXX XXXXX XX XXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX.XXX_XXXXX_<br> XXXXXXX X.XXX_XXXXX_<br> XXXXXXX.XXX_XXXXX_<br> XXXXXXX X.XXX_XXXXX_<br> XXXXXXX X.XXX_XXXXX_<br> XXXXXXX X.XXX_XXXXX_<br> XXXXXX XXXX.XXX_XXXXX_<br> XXXXXX.XXX |  |  | MN | Investment | Refinance | Cash Out - Other | 8238845 | N/A | N/A |
| XXXX | XXXX |  | 305082649 | Closed | 2026-03-17 01:04 | 2026-03-25 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Resolved-XXXXXXXXXX do not allow entity to sign note resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-Business purpose affidavit provided & XXXXXXXXXX do allow entity to sign note Note and DOT signed as LLC. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Business purpose affidavit is missing - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-XXXXXXXXXX do not allow entity to sign note Note and DOT signed as LLC. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXXXXXXX XX XXX XXXXX XXXXXX XX XXXX XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX & XXXXXXXXXX XX XXXXX XXXXXX XX XXXX XXXX XXXX XXX XXX XXXXXX XX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXXXXXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8143445 | N/A | N/A |
| XXXX | XXXX |  | 305082649 | Closed | 2026-03-16 23:00 | 2026-03-23 04:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit Disclosure is Provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business Purpose Affidavit Disclosure is Provided. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX _xXXXX_<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. Final Business Purpose Affidavit Disclosure is Missing. - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XXXXXXXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8142240 | N/A | N/A |
| XXXX | XXXX |  | 305053726 | Closed | 2026-03-20 13:09 | 2026-04-07 17:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Unable to Resolve-Unable to Resolve-Document Uploaded. Please see exception we had for the loan amount prior to closing and rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Minimum loan amount of $XXX,XXX has not been met. DSCR X-X unit. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX XXXXXXXXX.XXX |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X.XX XX X.XXX XXXXXX.<br> XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX. | IL | Investment | Refinance | Cash Out - Other | 8246427 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305053726 | Closed | 2026-03-17 05:13 | 2026-03-20 11:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception on page XXXX for _xXXXX_<br> XXXXXX-XXXXXXX XXXXXXX XXXX XXX XXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXX XX XXXX XXXX XXX XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X.XX XX X.XXX XXXXXX.<br> XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX. <br>IL Investment Refinance Cash Out - Other 8146107 Originator Pre-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 305082351 | Closed | 2026-03-17 23:13 | 2026-03-25 07:41 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Corrective HUD provided showing updated PPP, resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. ATTACHED - Seller-XX/XX/XXXX _xXXXX_<br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Maximum prepayment penalty on HUD is reflecting as $X,XXX.XX whereas per prepayment penalty addendum considering PPP as X%X%X% for XXmonths resulted as maximum prepayment penalty amount $X,XXX , which are not matching. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ATTACHED - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXXXXX XXX XXXXXXXX XXXXXXX XXXXXXX XXX, XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXX.XXX |  |  | MI | Investment | Refinance | No Cash Out - Borrower Initiated | 8174915 | N/A | N/A |
| XXXX | XXXX |  | 305082351 | Closed | 2026-03-16 23:07 | 2026-03-25 05:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-BPA provided, XX updated, finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXX_<br> Open-BPA is missing in the file - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Rescinded-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. Business Purpose Affidavit is missing with closing date. Finding open for BPA - Due Diligence Vendor-XX/XX/XXXX | _xXXXX_ | XXXXXXXX-XXX XXXXXXXX, XX XXXXXXX, XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXX-XXX XXXX XXXX XXXX XXXX XX 'XXXX' XXX XXX XXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXXX XXXXXXXXX XX XXX XXXX XX 'XXXXXXX', XXX XX XXX XXXXXXXX XXXXXXX XX XXXX XX 'XXXXXXX'. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXXX XXX X XXXX XXXX. XXXXXXXX XXXXXXX XXXXXXXXX XX XXXXXXX XXXX XXXXXXX XXXX. XXXXXXX XXXX XXX XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX. XXXXXXX XXXXXXXXX (X).XXX |  |  | MI | Investment | Refinance | No Cash Out - Borrower Initiated | 8142259 | N/A | N/A |
| XXXX | XXXX |  | 305082351 | Closed | 2026-03-17 23:06 | 2026-03-24 07:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD provided, XX updated, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded. - Buyer-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provided HUD on pg-XXX reflecting Settlement charges as $XX,XXX.XX whereas per fees total Settlement charges are $XX,XXX.XX. And cash to close amount is reflecting a $X. Require updated HUD document with corrected Settlement charges on first page and corrected cash to close amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXX XXXXXXXX, XX XXXXXXX, XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | MI | Investment | Refinance | No Cash Out - Borrower Initiated | 8174839 | N/A | N/A |
| XXXX | XXXX |  | 305071367 | Closed | 2026-03-17 23:17 | 2026-03-27 07:52 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Gift wire proof provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provided Wired Proof of Gift Missing in File. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXX XXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8174943 | N/A | N/A |
| XXXX | XXXX |  | 305071367 | Closed | 2026-03-17 03:47 | 2026-03-27 02:00 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX months payment proof from bank statements provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOR was provided with bank statements verifying payments - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Borrower is living as rent, VOR is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXXX XXXXXXX XXXXX XXXX XXXX XXXXXXXXXX XXXXXXXX. XXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXX XXX XXXXX XXXX XX XXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8145113 | N/A | N/A |
| XXXX | XXXX |  | 305071367 | Closed | 2026-03-18 00:38 | 2026-03-24 16:36 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualifications do not meet requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX agrees with this exception - Buyer-XX/XX/XXXX <br>Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Exception approved for IPC X% vs X% max for New construction purchase with preferred seller. Exception vetted and approved by SVP of UW and capital markets. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> $XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br> XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXXXXXX XXXXXXX XXXXXXX XX XX.XX% XXXX $XX,XXX XX $X,XXX. | FL | Primary Residence | Purchase | NA | 8175695 | Investor Post-Close | No |
| XXXX | XXXX |  | 305071367 | Closed | 2026-03-17 05:02 | 2026-03-27 07:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - 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.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 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, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)). XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XXXX XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XXXX XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XXXX XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XXXX XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XXXX XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8145970 | N/A | N/A |
| XXXX | XXXX |  | 305082767 | Closed | 2026-03-26 16:05 | 2026-03-30 17:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Dec Page with Premium provided. Updated all applicable pages. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Hazard Reflecting annual policy premium of $XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy The hazard insurance Dec Page reflects a premium of $XXXX which equals $XXX.XX/month while the IEADS reflects a premium of $X,XXX.XX which equals $XXX.XX/month. Provide supporting documentation for the $X,XXX.XX premium. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXX XXXXXXX XXXXXXXX. XXXXXXX XXX XXXXXXXXXX XXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | WI | Investment | Refinance | Cash Out - Other | 8349438 | N/A | N/A |
| XXXX | XXXX |  | 305054667 | Closed | 2026-03-18 00:51 | 2026-03-26 03:35 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Requested Updated AS-Is Appraisal Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. appraisal is as-is<br> - Buyer-XX/XX/XXXX <br>Open-XXXXD Completion Report is Missing XXXXD Completion Report is Missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XX-XX XXXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX XXXXXXXXXX XXXXXX XX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX XXXXXXXXX.XXX |  |  | DE | Investment | Refinance | Cash Out - Other | 8175829 | N/A | N/A |
| XXXX | XXXX |  | 305071403 | Closed | 2026-03-19 16:32 | 2026-04-02 14:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Received PCCD with updated PPP. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PPP - Buyer-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment calculation from the Note does not match the prepayment calculation listed on the closing disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXXX XXXXXXX XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX_XXXXX_<br> XXXXXX_XXXX_(X-XX-XX_XXXXXXXX).XXX |  |  | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 8226534 | N/A | N/A |
| XXXX | XXXX |  | 305071403 | Closed | 2026-03-17 23:59 | 2026-03-27 01:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX-XXXXXX XXXXXXXXXX XX.XX.XXXX.XXX |  |  | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 8175362 | N/A | N/A |
| XXXX | XXXX |  | 305071403 | Closed | 2026-03-17 23:59 | 2026-03-27 01:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated title doc provided. Tax amount considered from title. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Missing property tax cert showing annual premium of $X,XXX.XX per the closing disclosure in the file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXX XXX XXXXXXXX. XXX XXXXXX XXXXXXXXXX XXXX XXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX-XXXXXX XXXXXXXXXX XX.XX.XXXX.XXX |  |  | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 8175360 | N/A | N/A |
| XXXX | XXXX |  | 305054826 | Closed | 2026-03-25 10:01 | 2026-04-09 19:04 | Resolved | 1 - Information A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Loan quality cross check report provided is dated within XX business days of close, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached. - XXXXX-XX/XX/XXXX <br>Counter-The credit report in loan package is dated X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Latest credit report is on X/XX which is XX business days from closing on X/X. Additional gap not required. Please rescind - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Unable to determine monitoring end date for undisclosed debt on fraud report. Provide a gap report date dated within XX business days of close. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Latest credit report is on X/XX which is XX business days from closing on X/X. Additional gap not required. Please rescind - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXX XXXXX XXXXX XXXXXX XXXXXXXX XX XXXXX XXXXXX XX XXXXXXXX XXXX XX XXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX.XXX |  |  | NC | Primary Residence | Purchase | NA | 8314547 | N/A | N/A |
| XXXX | XXXX |  | 305054826 | Closed | 2026-03-19 05:05 | 2026-04-07 18:00 | Waived | 2 - Non-Material C B | Credit | Credit | DTI/Residual income outside of guidelines (ATR) | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Client provided exception for insufficient residual income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. XX approves exception - XXXXXX-XX/XX/XXXX <br>Open-Minimum Residual Income as per XXXXXX is $X,XXX whereas Calculated Residual Income is $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-Document Uploaded. XX approves exception - XXXXXX-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXX XXXXXXXXX XXXXXXX (XXXX).XXX |  | XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. | NC | Primary Residence | Purchase | NA | 8206590 | Investor Post-Close | No |
| XXXX | XXXX |  | 305054826 | Closed | 2026-03-19 23:56 | 2026-03-25 11:29 | Resolved | 1 - Information B A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Resolved-The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Waived-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) The loan meets XXXX guidelines. Finding Waived.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXX XXXXXXXX XXXX XXXXXX XXXX XXXX XXXXX XXXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXXXX XXX XXXX XXXXXXX XX X X-X XXXX XXXXXXXX XX (X.XX%).(X.X. XXX. XXXX. XX-X.XX(XX); XX XXX XXXXX(X)(X)(X)(XX); XX XXX XXXX.XX(X)(X)(X)) XXX XXXX XXXXX XXXX XXXXXXXXXX. XXXXXXX XXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | NC | Primary Residence | Purchase | NA | 8228872 | N/A | N/A |
| XXXX | XXXX |  | 305054826 | Closed | 2026-03-19 23:56 | 2026-03-25 11:29 | 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 XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX 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 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, 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,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX,XXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | NC | Primary Residence | Purchase | NA | 8228871 | N/A | N/A |
| XXXX | XXXX |  | 305082490 | Closed | 2026-03-19 15:20 | 2026-03-26 08:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreement with all pages. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-Missing page X of the lease agreement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXX XXXXXXXXX XXXX XXX XXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX XXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8224668 | N/A | N/A |
| XXXX | XXXX |  | 305082490 | Closed | 2026-03-19 15:34 | 2026-03-26 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report shows high alerts open. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXXXXXX.XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8225012 | N/A | N/A |
| XXXX | XXXX |  | 305066603 | Closed | 2026-03-20 03:04 | 2026-03-25 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated fraud page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-All fraud pages are not provided Only two pages were attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Third Party Fraud Report is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXX XXX.XXX.XXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8230487 | N/A | N/A |
| XXXX | XXXX |  | 305066603 | Closed | 2026-03-20 02:44 | 2026-03-20 02:49 | 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#'s XXX . An interior and exterior appraisal was completed for this property – see pg XX , the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXXXX-XXX and XXXX Page # XXX .This loan passes XXXX and is a XXXX compliant loan - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) "XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX.<br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX , XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX . XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX , XXX XXXXXXXXX XXXXXXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX-XXX XXX XXXX XXXX # XXX .XXXX XXXX XXXXXX XXXX XXX XX X XXXX XXXXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8230356 | N/A | N/A |
| XXXX | XXXX |  | 305082618 | Closed | 2026-03-23 04:50 | 2026-03-25 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Lender provided approved exception in file, p. XXXX, to accept existing note holder letter for primary mortgages terms verbally extended. Finding waived. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, X. XXXX, XX XXXXXX XXXXXXXX XXXX XXXXXX XXXXXX XXX XXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. <br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. <br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX  | FL | Investment | Refinance | Cash Out - Other | 8260480 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082618 | Closed | 2026-03-23 03:31 | 2026-03-25 15:45 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXXX'X broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Investment | Refinance | Cash Out - Other | 8257129 | N/A | N/A |
| XXXX | XXXX |  | 305071442 | Closed | 2026-03-23 02:17 | 2026-04-21 03:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated XXXXXXX XXXX account statement uploaded. Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated statement was uploaded previously. please find attached dated XX/X/XXXX - XXX XX/XXXX. Please rescind, thank you - Buyer-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) $XX,XXX.XX -$XX,XXX.XX cash required to close= $XX,XXX.XX- $XX,XXX.XX required reserves= $-X,XXX.XX reserve shortage (-X.XX months). XXXXXXX XXXX docs expired as end date XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXX XXXXXXX XXXXXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X), XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXXX XX XX.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXX XX.XX.XXXX - XX.XX.XXX |  |  | FL | Investment | Purchase | NA | 8256654 | N/A | N/A |
| XXXX | XXXX |  | 305082621 | Closed | 2026-03-25 15:49 | 2026-03-25 15:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Lender provided approved exception in file, p. XXXX, to accept existing note holder letter for primary mortgages terms verbally extended. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXX XXXX XXX XXXXXXX XX XXXXXXX XXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, X. XXXX, XX XXXXXX XXXXXXXX XXXX XXXXXX XXXXXX XXX XXXXXXX XXXXXXXXX XXXXX XXXXXXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XX XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. <br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. <br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX  | FL | Investment | Refinance | Cash Out - Other | 8322349 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082621 | Closed | 2026-03-23 03:24 | 2026-03-25 14:21 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXXXXXXXXX broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXX XX XXXXXX XX XXXX XX XXXXXX, XXXX XXXXXXXX XX XXXX-XXXXXXXX XXXXXXXXXX, XXX XXXXXXXXX XX XXX XXXXXXXX XX XXXXXXX. XXXXXX XXXX XXXXXXXXXXX. XXXXXXXXX'X XXXXXX XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXX XXXXXX XX XXXXXX XXXX XXXX-XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Investment | Refinance | Cash Out - Other | 8257036 | N/A | N/A |
| XXXX | XXXX |  | 305071374 | Closed | 2026-03-23 01:45 | 2026-03-25 02:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional asset statement IRA doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached ira to cover the X months reserves required. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please update needed reserves to X months.. see matrix attached - Buyer-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Audited Reserves of X month(s) are less than Guideline Required Reserves of X month(s). Provide additional assets to meet reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXXX XXXXX XXXXXXXXX XXX XXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX - X XXXXXX .XXX_XXXXX_<br> XXXXXX XXX.XXX |  |  | IN | Investment | Refinance | No Cash Out - Borrower Initiated | 8256520 | N/A | N/A |
| XXXX | XXXX |  | 305082539 | Closed | 2026-03-25 04:24 | 2026-03-30 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX agrees with this exception - Buyer-XX/XX/XXXX <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Exception on page XXXX for a XxXXxXX with XXXXXX mortgage on the subject, exception approved to accept XxXX on mortgage due to auto pay error as per lox on page XXX and fixed immediately. Mortgage history is clean with this one time exception. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> $XXX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br>| TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8307757 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082539 | Closed | 2026-03-24 01:11 | 2026-03-30 02:34 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated fico of XXX provided which is matching with credit report, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-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. As per the credit report review of X FICO scores, the Rep Score in Credit liabilities is XXX whereas UW Rep score is XXX which is not matching with said GL qualifying method. Need corrective or updated report with the qualifying FICO. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXXX XXXX XXXXXXX XXXX XX XXX XXXXXXXX XXXXX XX XXXXXXXX XXXX XXXXXX XXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 8281464 | N/A | N/A |
| XXXX | XXXX |  | 305071365 | Closed | 2026-03-25 03:48 | 2026-03-27 05:20 | 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 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)(X)) 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 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXXXXXX. XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TN | Primary Residence | Purchase | NA | 8307530 | N/A | N/A |
| XXXX | XXXX |  | 305066380 | Closed | 2026-03-25 06:46 | 2026-03-26 08:36 | 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)(X)) 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#'sXXX, 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#'s 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8309297 | N/A | N/A |
| XXXX | XXXX |  | 305066440 | Closed | 2026-03-25 02:42 | 2026-04-03 09:12 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-received PCCD with disbursement date of X/XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Disbursement date of XX/XX/XXXX as per final cd page XXX is prior to closing & notary date of XX/XX/XXXX as per DOT page XXX. Provide PCCD with revision. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XX X/XX/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8306124 | N/A | N/A |
| XXXX | XXXX |  | 305066440 | Closed | 2026-03-25 01:31 | 2026-04-03 04:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX/XX/XXXX is after the closing date of XX/XX/XXXX, Provide Hazard insurance prior to closing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXX XXXXXXXX, XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXX XX XXX XXXXXXXXXXXX XXXX XX-XX-XXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8305790 | N/A | N/A |
| XXXX | XXXX |  | 305066440 | Closed | 2026-03-25 02:30 | 2026-04-03 16:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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)) The loan meets HPML Guidelines and is a Compliant HPML loan<br>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,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 and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-\*\*XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-\*\*XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX<br>XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX,XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX #XXX,XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8306094 | N/A | N/A |
| XXXX | XXXX |  | 305066440 | Closed | 2026-03-25 02:30 | 2026-04-03 16:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-\*\*The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan<br>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,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 and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX,XXX,XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-\*\*XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-\*\*XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX<br>XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X)) XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX #XXX,XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX #XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX #XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX #XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX #XXX,XXX,XXX,XXX,XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8306095 | N/A | N/A |
| XXXX | XXXX |  | 305071439 | Closed | 2026-03-26 02:35 | 2026-04-24 05:59 | Resolved | A | Data Edit | Data Edit | Insufficient Hazard Coverage When No Replacement Coverage | Resolved-XXX,XXX replacement cost (limit of the insurance) used as FL does not provide. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see appraisal snippet "Total Estimate of Cost New" amount $XXX,XXX for replacement cost. RCEs are not provided for the state of XXXXXXX and dwelling (coverage A) is the replacement cost used. Please rescind finding, thank you. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance Coverage Amount of XXXXXX is Less than Loan Amount of XXXXXX and Guaranteed Replacement Coverage is No Hazard Insurance Coverage Amount of XXX,XXX is Less than Loan Amount of XXXXXX and Guaranteed Replacement Coverage is No - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX,XXX XXXXXXXXXXX XXXX (XXXXX XX XXX XXXXXXXXX) XXXX XX XX XXXX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXX XXXXX XXXXXXXX XX XXXX XXX .XXX_XXXXX_<br> XXXXXXXXX - XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXX XXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8329018 | N/A | N/A |
| XXXX | XXXX |  | 305071439 | Closed | 2026-03-26 04:05 | 2026-04-24 06:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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)) 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 Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX# XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XX# XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XXXX#XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XXXX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XXX XX# XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8330572 | N/A | N/A |
| XXXX | XXXX |  | 305082631 | Closed | 2026-03-25 04:37 | 2026-04-06 10:40 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Documents uploaded and reviewed. Condition has been resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached item. Please clear this. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Entity Formation Doc Indicator is Missing. Provide Entity Formation Document to verify EIN. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXX XXXXXXXX XXX XXXXXXXX. XXXXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX XXXXXXXXXXXX.XXX_XXXXX_<br> XXX XXXXXX XXX XXXX.XXX_XXXXX_<br> XXX XXXX.XXX_XXXXX_<br> XXXXX XX XXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8307861 | N/A | N/A |
| XXXX | XXXX |  | 305082530 | Closed | 2026-03-25 03:02 | 2026-03-26 16:18 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-Unable to resolve. XX agrees with exception approved by VP of uw - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Exception escalated to VP of UW and approved to proceed as NW condo with<br> pending litigation. Attorney letter reviewed regarding liability complaint being handled by insurance.<br> Based on description of complaint this exception is being granted to close prior to settlement and<br> exact amount of damages based on assessment that it is highly improbable for the claim to go to trial<br> or exceed a settlement offered within the limits of the master liability policy. LTV is < XX%. Bwr's own<br> funds used for down payment and reserves. DSCR based on long term rents. XXX CS. Locked with<br> LLPA for Non-warrantable due to litigation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX<br> XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.<br> XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX .XXX XXXXXX. | FL | Investment | Purchase | NA | 8306221 | Investor Post-Close | No |
| XXXX | XXXX |  | 305071337 | Closed | 2026-03-26 06:27 | 2026-04-14 12:04 | Resolved | 1 - Information C A | Compliance | Mavent | OH Fee Not Allowed- Municipal Lien Fee (Fee ID: 178) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached is PCCD removing the lien fee and copy of refund check to the borrower for the fee. Please clear this condition - Seller-XX/XX/XXXX _xXXXD_<br> Open-XXXX law does not allow Municipal Lien Fee (Fee ID: XXX) to be charged to the Borrower, Seller, Originator, Lender or Other in XX. XX state is not allowing Municipal Lien Fee to be charged to the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached is PCCD removing the lien fee and copy of refund check to the borrower for the fee. Please clear this condition - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXXXXXXX XXXXX - XXXXX.XXX_XXXXX_<br> XXXXX - XXXX XX XXXXX.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8332178 | N/A | N/A |
| XXXX | XXXX |  | 305071337 | Closed | 2026-03-26 06:27 | 2026-04-14 12:04 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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#'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 _Findings__ for delivery confirmation of the appraisal. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<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#'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 _Findings__ for delivery confirmation of the appraisal. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-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#'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 _Missing__ for delivery confirmation of the appraisal. The loan meets HPML guidelines, however missing copy of the appraisal being given to borrower. Provide copy.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XXX__ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X _XXX__, XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX__. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX __XX_, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X _XXX__, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X _XXXXXXXX__ XXX XXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X _XXX__ XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X _XXX__, XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X _XXX__. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX __XX_, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X _XXX__, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X _XXXXXXXX__ XXX XXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX XXXXXXXXXXXXXXX XXXX.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8332177 | N/A | N/A |
| XXXX | XXXX |  | 305071337 | Closed | 2026-03-31 06:31 | 2026-04-01 05:11 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | Resolved-Received appraisal acknowledgement. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX _xXXXD_<br> Open-Missing proof of appraisal delivery to borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXXXXXXXXX. XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXXXXXXX XXXXXXXXXXXXXXX XXXX.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8401923 | N/A | N/A |
| XXXX | XXXX |  | 305071337 | Closed | 2026-03-26 05:44 | 2026-04-01 04:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Borrower X Gap Credit Report is Missing Gap report is missing in file. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXXXXXX XXX XX XXXX XX XXX XXXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX XXXXXX XXXXXX XXXXXX.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 8331501 | N/A | N/A |
| XXXX | XXXX |  | 305066602 | Closed | 2026-03-25 02:20 | 2026-03-25 02:22 | 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(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#'sXXX, 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#'s XXX-XXX, XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX, XXX XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TX | Primary Residence | Purchase | NA | 8306068 | N/A | N/A |
| XXXX | XXXX |  | 305082591 | Closed | 2026-03-27 05:39 | 2026-04-24 03:21 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved-Updated appraisal doc with photos provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached appraisal with photos. - Buyer-XX/XX/XXXX <br>Open-Appraisal photos are missing from loan package and file upload. - Due Diligence Vendor-XX/XX/XXXX <br>Open-In appraisal document, property photos are missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXXXX XXX XXXX XXXXXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXX, XXXXXXXXX XXXX XXXXXX.XXX |  |  | AZ | Investment | Purchase | NA | 8355634 | N/A | N/A |
| XXXX | XXXX |  | 305082756 | Closed | 2026-03-30 06:55 | 2026-04-03 11:52 | 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# 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, 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 <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX# XXX XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX# XXX, XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8381877 | N/A | N/A |
| XXXX | XXXX |  | 305066487 | Closed | 2026-03-28 00:26 | 2026-04-01 07:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-received COCs with correct info - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-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)). Provide Change of Circumstances for Lender Credit Decreased from $X,XXX to $XXX.XX total variance $X,XXX.X - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXX XXXX XXXXXXX XXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX X.XX XXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXX XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8371296 | N/A | N/A |
| XXXX | XXXX |  | 305066487 | Closed | 2026-03-28 00:03 | 2026-04-01 03:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Uploaded identification documents meets ITIN requirement as per the GL's, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X forms of ID were provided for ITIN borrower - Seller-XX/XX/XXXX <br>Open-Provide Valid Passport or Visa Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X forms of ID were provided for ITIN borrower - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXXXXXXXX XXXXXXXXX XXXXX XXXX XXXXXXXXXXX XX XXX XXX XX'X, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXXX XX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8371166 | N/A | N/A |
| XXXX | XXXX |  | 305066487 | Closed | 2026-03-28 00:26 | 2026-04-01 08:31 | 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 meets HPML Guidelines and is a Compliant HPML loan.<br> - 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 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 XX, 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.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8371297 | N/A | N/A |
| XXXX | XXXX |  | 305066487 | Closed | 2026-03-28 00:26 | 2026-04-01 08:31 | 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-The loan meets HPML Guidelines and is a Compliant HPML loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California 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%).(Cal. 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. 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 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 |  | XXXXXXXX- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX XXX XX X XXXXXXXXX XXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8371299 | N/A | N/A |
| XXXX | XXXX |  | 305082337 | Closed | 2026-03-31 15:58 | 2026-04-14 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. FraudGuard from seller uploaded for review. - Buyer-XX/XX/XXXX <br>Counter-Received fraud report with uncleared high alerts. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Guard from the seller uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report lists high alert that is not cleared. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXX XXXXXX XXXXXX XXXX XXXX XXXXXXX XX XXXX XXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXXX XXXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXXXX XXXXXXXXXX XXX (XX).XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 8415076 | N/A | N/A |
| XXXX | XXXX |  | 305077675 | Closed | 2026-03-31 05:59 | 2026-04-15 04:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Requested full third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fraud report - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provided third party fraud on page #XXX is incomplete, Provide complete fraud report. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXX XXXXX XXXXX XXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | PA | Primary Residence | Purchase | NA | 8401528 | N/A | N/A |
| XXXX | XXXX |  | 305077675 | Closed | 2026-03-31 05:58 | 2026-04-07 03:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Evidence of Undisclosed Debt Monitoring provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing GAP Credit Report within XX days of Note Date missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XX XXXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXXX XXXXXX XX XXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | PA | Primary Residence | Purchase | NA | 8401495 | N/A | N/A |
| XXXX | XXXX |  | 305077675 | Closed | 2026-03-31 04:19 | 2026-04-02 22:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested full declaration page provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Insurance - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy HOI policy Declaration page with Policy Number and full coverage dates missing. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXX XXXXXXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXX XX XXXXX XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | PA | Primary Residence | Purchase | NA | 8400608 | N/A | N/A |
| XXXX | XXXX |  | 305077675 | Closed | 2026-03-31 04:19 | 2026-04-02 22:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI policy with correct effective dates & expiration dates provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Proof of insurance - Due Diligence Vendor-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Policy Effective date of X/X/XX is after Note Date/Disbursement Date X/X/XX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXX XXX XXXXXX XXXX XXXXXXX XXXXXXXXX XXXXX & XXXXXXXXXX XXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XX-XX-XXXX XX XXXXX XX XX XXXXX XX XXX XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXXXXXX XXXXXXXXX XXXX XX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | PA | Primary Residence | Purchase | NA | 8400607 | N/A | N/A |
| XXXX | XXXX |  | 305077675 | Closed | 2026-03-31 05:41 | 2026-04-27 10:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-No action required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-According to loan guidelines HPML is acceptable. What additional information is needed ? - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-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 passes HPML guidelines and is a HPML Compliant loan.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XX XXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XXXX XXXXXX XXXX XXXXXXXXXX XXX XX X XXXX XXXXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.X%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.X%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXXX XXXXXXXXXX XXX XX X XXXX XXXXXXXXX XXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | PA | Primary Residence | Purchase | NA | 8401325 | N/A | N/A |
| XXXX | XXXX |  | 305071279 | Closed | 2026-04-09 09:54 | 2026-04-20 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Executed XXXX-X present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX-X XXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXXXXXXX XXXX-X XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8578115 | N/A | N/A |
| XXXX | XXXX |  | 305071279 | Closed | 2026-03-26 23:56 | 2026-04-20 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE provided, Updated & Condition 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. Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd Party VOE Prior to Close is Missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXX XXX XXXXX XXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XXX XXXXX XXX XXXXX XX XXXXX XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8352594 | N/A | N/A |
| XXXX | XXXX |  | 305071279 | Closed | 2026-03-26 23:56 | 2026-04-20 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower X Paystubs Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Clarification and document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The paystub, as of X/XX has more than XX days of YTD earnings and this is sufficient per XXXXXXXXX XXXXXX. - Seller-XX/XX/XXXX <br>Counter-Paystub does not cover full month. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Paystubs Missing Paystubs is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The paystub, as of X/XX has more than XX days of YTD earnings and this is sufficient per XXXXXXXXX XXXXXX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX X XXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8352595 | N/A | N/A |
| XXXX | XXXX |  | 305071279 | Closed | 2026-03-26 23:56 | 2026-04-20 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Requested WX/XXXX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X WX/XXXX Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X WX/XXXX Missing WX/XXXX is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXX X XX/XXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8352596 | N/A | N/A |
| XXXX | XXXX |  | 305071279 | Closed | 2026-03-27 23:49 | 2026-04-09 01:48 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested homeownership counselling disc provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-homeownership counselling disc missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX-XXXXXXXXX XXXXXXXXXX XXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8371125 | N/A | N/A |
| XXXX | XXXX |  | 305082487 | Closed | 2026-03-26 22:13 | 2026-04-07 06:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-BPA provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - 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. Final and Initial Business Purpose Affidavit Disclosure is Missing.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXXXXXX, XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXX.XXX |  |  | MI | Investment | Refinance | Cash Out - Home Improvement/Reno | 8352203 | N/A | N/A |
| XXXX | XXXX |  | 305082487 | Closed | 2026-03-26 23:32 | 2026-04-03 14:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Unable to resolve; XX agrees with exception approved by XXXXXX on X/XX - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXX<br> X.XXX XXXX, XXX XX X | MI | Investment | Refinance | Cash Out - Home Improvement/Reno | 8352492 | Investor Post-Close | No |
| XXXX | XXXX |  | 305048283 | Closed | 2026-03-30 00:48 | 2026-04-10 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Policy uploaded. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Premium amount on the HOI is higher than the amount listed on the settlement statement and first payment letter. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXX XXXXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXXXXX..XXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8378899 | N/A | N/A |
| XXXX | XXXX |  | 305048283 | Closed | 2026-03-30 00:57 | 2026-04-08 16:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. exception provided Unable to Resolve-XX agrees with exception approved - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX_ [XXXXXXXXX XXXXXXXX]_ XX_ XXXXXXXXX XXXXXXX - XXXXXXXX_ XXXXX - XXXXXX # XXXXXX.XXX |  | X.XX XXXX, XXX XX X<br> XXX XXXX, XXX XX XXX | TX | Investment | Refinance | Cash Out - Other | 8378940 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082508 | Closed | 2026-03-30 00:34 | 2026-04-03 10:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX approves exception. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan amount exception uploaded. - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Exception made for loan amount of $XX,XXX, with minimum allowed of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XX XXXXXXXXX.XXX |  | XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.<br> XXXXXXXX XXX X XXXXX XX XXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX.  | AL | Investment | Refinance | Cash Out - Other | 8378818 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082472 | Closed | 2026-03-30 00:49 | 2026-04-07 08:05 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Adding comp factors - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX agrees with lender prepayment matrix - Seller-XX/XX/XXXX <br>Ready for Review-please disregard, I meant to add this comment and document and on the other condition. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we just require one signed copy; it doesn't have to be a final. see attached and clear this condition please. - Buyer-XX/XX/XXXX <br>Counter-Per guidance from leadership, update states that in XX only a Corporation is allowed to sign a PPP, not an LLC. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is incorrect. It just has to be vested in a business llc which it is. please waive this condition <br> - Seller-XX/XX/XXXX <br>Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Subject State is XX, loan is signed by LLC, not a corporation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XX agrees with lender prepayment matrix - Seller-XX/XX/XXXX <br>Ready for Review-This is incorrect. It just has to be vested in a business llc which it is. please waive this condition <br> - Seller-XX/XX/XXXX<br>| XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | X. XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX.<br> X. XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX. | NJ | Investment | Purchase | NA | 8378901 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082472 | Closed | 2026-03-30 03:17 | 2026-04-07 05:19 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Executed XXXX for borrower received. Resolved condition - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. we only required one signed copy for BPL and it doesn't have to be a final. See attached and please clear this condition. - Buyer-XX/XX/XXXX <br>Counter-Per the XX Corr BPL guidelines it states: Each member of the Borrowing Entity providing a personal guaranty <br> (each a "Personal Guarantor") must complete a loan application or <br> similar credit application signed in their individual capacity. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-not required for BPL. Please rescind. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Not Executed The Final XXXX in this file is Not Executed or signed by the Borrower. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXX XXX XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXX - XXX XXXXX XXX, XXXXXX, XX XXXXX.XXX |  |  | NJ | Investment | Purchase | NA | 8379641 | N/A | N/A |
| XXXX | XXXX |  | 305082657 | Closed | 2026-04-01 02:26 | 2026-04-03 11:04 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender provided approved exception in file, p. XXX, to allow X comps on XXXX are more than X+ miles. Per the appraiser, there are no other rental comps within X miles received. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX XX XXXX, X. XXX, XX XXXXX X XXXXX XX XXXX XXX XXXX XXXX X+ XXXXX. XXX XXX XXXXXXXXX, XXXXX XXX XX XXXXX XXXXXX XXXXX XXXXXX X XXXXX XXXXXXXX. XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | $XXXXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX $XXXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX<br> X\*XX XXXXXXXX XXXXXXX XXX XX XXXXXX. | MI | Investment | Refinance | Cash Out - Other | 8420326 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082576 | Closed | 2026-04-01 06:11 | 2026-04-06 12:31 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception page XXX for fidelity bond coverage < Xx monthly dues for project. Subject transaction must be priced as non-warrantable. XXX has external professional management firm. DTI < XX%, > Xx residual. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXXXX XXXX XXX XXX XXXXXXXX XXXX XXXXXXXX < XX XXXXXXX XXXX XXX XXXXXXX. XXXXXXX XXXXXXXXXXX XXXX XX XXXXXX XX XXX-XXXXXXXXXXX. XXX XXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXX XXXX. XXX < XX%, > XX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXXXXXXX XXX $X,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. | FL | Primary Residence | Purchase | NA | 8424143 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082576 | Closed | 2026-04-01 05:43 | 2026-04-06 12:28 | 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#'s XXX. An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXX, XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXX, XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8423604 | N/A | N/A |
| XXXX | XXXX |  | 305082526 | Closed | 2026-04-01 03:09 | 2026-04-06 05:26 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached. - Buyer-XX/XX/XXXX <br>Open-Potential Fraud Reflected on Fraud Report Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |  | _XXXXX_ | XXX XXXX XXXX XXXXXX.XXX |  |  | NC | Investment | Refinance | Cash Out - Other | 8420534 | N/A | N/A |
| XXXX | XXXX |  | 305082526 | Closed | 2026-04-01 03:09 | 2026-04-06 05:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document uploaded and reviewed. Condition was resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached.<br> - Buyer-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXX XXX XXXXXXXX. XXXXXXXXX XXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX XXXX XXXX XXXXXX.XXX |  |  | NC | Investment | Refinance | Cash Out - Other | 8420533 | N/A | N/A |
| XXXX | XXXX |  | 305082655 | Closed | 2026-04-04 20:00 | 2026-04-10 07:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see Final Executed signed CD and clear finding. Thank you - Buyer-XX/XX/XXXX _xXXXD_<br> Open-Asset Record X Does Not Meet G/L Requirements Closing disclosure used for reserves/ proceeds from sale is not signed per guidelines require a fully executed final CD - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXXX XXXXXX X XXXXX X/X XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXX_XX.XXX |  |  | MI | Investment | Refinance | Cash Out - Other | 8488311 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 02:21 | 2026-04-16 06:57 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached note - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The Note is Not Executed The Note is Not signed - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXXX_XXXXXXXX XXXXXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8420318 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 04:48 | 2026-04-16 02:16 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Requested replacement cost document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please refer to the attached policy, specifically the section outlining Dwelling Structure Coverage. The loss settlement basis is stated as Replacement Cost, and the dwelling limit of $XXX,XXX is based on this replacement cost valuation.<br>Please clear this finding. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Hazard Insurance coverage provided is $XXX,XXX but Loan Amount is $XXX,XXX which is higher than provided Coverage Amount. Need Guaranteed Replacement Coverage or RCE provided by the Insurer to meet the requirement. (Hazard Page Number XXXX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please refer to the attached policy, specifically the section outlining Dwelling Structure Coverage. The loss settlement basis is stated as Replacement Cost, and the dwelling limit of $XXX,XXX is based on this replacement cost valuation.<br>Please clear this finding. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXX XXXXXXXXX XXXXXXX XXXX XXXXXX XXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8422698 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 02:19 | 2026-04-14 14:43 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the executed and signed final XXXX. Please clear this finding. - Buyer-XX/XX/XXXX _xXXXD_<br> Open-The Final XXXX is Not Executed The Final XXXX is Not Signed. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXX XXXXX XXXX XX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXXXXX, XXXXX XXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8420314 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 04:14 | 2026-04-14 02:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final Closing Disclosure Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please find the attached signed Final Closing Disclosure. Please clear this finding. - Seller-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is not Signed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find the attached signed Final Closing Disclosure. Please clear this finding. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXXXX XXXXX XXXXXXX XXXXXXXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXXXXX, XXXXX XXXXXX XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8421942 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 03:07 | 2026-04-14 02:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. Please see the attached signed and executed DOT. Please clear this finding. - Seller-XX/XX/XXXX _xXXXD_<br> Open-The Deed of Trust is Missing The Deed of Trust is not executed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached signed and executed DOT. Please clear this finding. - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXX XX XXXXX XXXXXXXX. XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX - XXXXXXXXX, XXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 8420515 | N/A | N/A |
| XXXX | XXXX |  | 305082575 | Closed | 2026-04-01 03:42 | 2026-04-07 11:39 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception page #XXXX for business in existence for X years but current business was formed in XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXX-XXXXXXXXX XXXX #XXXX XXX XXXXXXXX XX XXXXXXXXX XXX X XXXXX XXX XXXXXXX XXXXXXXX XXX XXXXXX XX XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXXXXXXX XXX $XX,XXX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX.<br> XXXXXXXX/XXXXXX XXXXXXX XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | FL | Primary Residence | Purchase | NA | 8421494 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082318 | Closed | 2026-04-06 11:03 | 2026-04-14 12:05 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Lender provided before and after photos of subject property - finding resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. see attached before and after pictures that was approved by underwriting! Please waive this condition - Seller-XX/XX/XXXX _xXXXD_<br> Open-Since the subject was purchased < X months ago, per guidelines the following is needed: <br>Property was acquired < X months from note and the property was subsequently renovated, the appraised value can be used, subject to the below requirements: <br> o Provide original listing photos and/or original appraisal from purchase illustrating property condition prior to renovation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached before and after pictures that was approved by underwriting! Please waive this condition - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXX-XXXXXX XXXXXXXX XXXXXX XXX XXXXX XXXXXX XX XXXXXXX XXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXX XXXXXX_XXXXX XXXXX (X).XXX_X-X.XXX_XXXXX_<br> XXXXXXXX_XXXXX XXXXXX_XXXXX XXXXX (X).XXX_X-X.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8505002 | N/A | N/A |
| XXXX | XXXX |  | 305082318 | Closed | 2026-04-01 05:31 | 2026-04-13 16:35 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Evidence of Property Tax Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. <br> Difference in annual escrow amount list on tax cert is $XX.XX which increased the monthly escrow by $X.XX. <br> Tax cert provided in file $XXXX.XX/XX = XXX.XX monthly escrow <br> Client used $X,XXX.XX/XX = $XXX.XX - Seller-XX/XX/XXXX _xXXXD_<br> Open-Missing Evidence of Property Tax Property Tax amount of $X,XXX.XX per the First Payment Letter is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. <br> Difference in annual escrow amount list on tax cert is $XX.XX which increased the monthly escrow by $X.XX. <br> Tax cert provided in file $XXXX.XX/XX = XXX.XX monthly escrow <br> Client used $X,XXX.XX/XX = $XXX.XX - Seller-XX/XX/XXXX_xXXXD_ | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | OH | Investment | Refinance | Cash Out - Other | 8423462 | Investor Post-Close | No |
| XXXX | XXXX |  | 305082318 | Closed | 2026-04-01 22:24 | 2026-04-10 02:32 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico mis match from XXXX to credit report, Update XXXX Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. attached with corrected fico - Buyer-XX/XX/XXXX _xXXXD_<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. Qualifying FICO on the XXXX Page is 'XXX' where as Qualifying FICO from the Credit Liabilities Page is 'XXX' - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | XXXXXXXX-XXXX XXX XXXXX XXXX XXXX XX XXXXXX XXXXXX, XXXXXX XXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8443457 | N/A | N/A |
| XXXX | XXXX |  | 305082318 | Closed | 2026-04-03 00:07 | 2026-04-10 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Personal Guaranty provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing in file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX, XXXXXXX & XXXXXXXXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX_XXXXXX_XXXXX XXXXX XXX (XXXX)_XXXXXX.XXX |  |  | OH | Investment | Refinance | Cash Out - Other | 8468056 | N/A | N/A |
| XXXX | XXXX |  | 305082507 | Closed | 2026-04-03 06:44 | 2026-04-16 07:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Lender provided updated HUD and First Payment Letter with taxes matching tax calculation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please see attached updated HUD and first payment letter to reflect the correct amount for the monthly payment. Please clear this condition. - Seller-XX/XX/XXXX <br>Counter-Final HUD uploaded was already in the loan file - the Tax Certification on page #XXX states the taxes are $XXXX / XX = $XXX.XX - title/lender only collected $XXX.XX per month for escrows - updated HUD/First Payment Letter required OR provide tax documentation supporting the $XXX.XX per month property taxes for the subject. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Calculated tax amount is $XXX.XX and according to FPL, the tax of school, city, water tax amount, tax is $XXX.XX and the HUD document shows tax amount as $XXX.XX. Provided updated HUD document to verify. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-please see attached updated HUD and first payment letter to reflect the correct amount for the monthly payment. Please clear this condition. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXX XXXX XXXXX XXXXXXXX XXX XXXXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX.XXX_XXXXX_<br> XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXX.XXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8472476 | N/A | N/A |
| XXXX | XXXX |  | 305082507 | Closed | 2026-04-06 13:55 | 2026-04-16 07:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender provided updated HUD and First Payment Letter with taxes matching tax calculation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated HUD and First Payment Letter with taxes matching tax calculation - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached updated HUD and first payment letter to reflect the correct amount for the monthly payment. Please clear this condition. - Buyer-XX/XX/XXXX <br>Counter-Final HUD uploaded was already in the loan file - the Tax Certification on page #XXX states the taxes are $XXXX / XX = $XXX.XX - title/lender only collected $XXX.XX per month for escrows - updated HUD/First Payment Letter required OR provide tax documentation supporting the $XXX.XX per month property taxes for the subject. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax document on page #XXX indicates annual taxes are $XXXX per year / XX = $XXX.XX per month - First payment letter and HUD provided show property taxes are $XXX.XX per month - provide updated tax documents supporting this OR provided updated HUD/First Payment letter with increased taxes for the escrow. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXX XXXX XXXXX XXXXXXXX XXX XXXXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXX XXXXXXXX XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXX XXXX XXXXX XXXXXXXX XXX XXXXXXXXXXX - XXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX.XXX_XXXXX_<br> XXXXXXX XXX XXX XXXXX XXXXXXX XXXXXX.XXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8509578 | N/A | N/A |
| XXXX | XXXX |  | 305082507 | Closed | 2026-04-01 23:56 | 2026-04-14 04:50 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Business Entity EIN uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Employer identification number is Missing.<br> - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXX XXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXXXXX XXXXXXXX' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXX.XXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8443850 | N/A | N/A |
| XXXX | XXXX |  | 305071295 | Closed | 2026-04-06 06:33 | 2026-04-16 08:39 | 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. LOE uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Missing XX month housing history for primary residence. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXX.XXX |  |  | OH | Investment | Purchase | NA | 8496872 | N/A | N/A |
| XXXX | XXXX |  | 305082609 | Closed | 2026-04-07 01:02 | 2026-04-09 08:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception on page#XXX Approved for Loan amount of $XX,XXX vs. $XXXk. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXX XXXX XXXXXX XX XXXX XXXX XXXXXXXXX XXXXXXX XXXX XXXXXX XXXXXXXXX XX XXXX#XXX XXXXXXXX XXX XXXX XXXXXX XX $XX,XXX XX. $XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX.<br> XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX.<br>| MI | Investment | Refinance | Cash Out - Other | 8516478 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305066431 | Closed | 2026-04-10 05:18 | 2026-04-16 06:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved for LTV. Rural Max LTV is XX%. Approved for XX% LTV. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Subject is in Rural Max XX% allowed per guidelines XXXX has XX% LTV - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXX-XXXXXXXXX XXXXXXXX XXX XXX. XXXXX XXX XXX XX XX%. XXXXXXXX XXX XX% XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXXXXX_XXXXXXXXX.XXX |  | X. XXX XXX. XXX XX XX% XXX XX XX XX%.<br> X. XXXX XXXXXXXX XXXXXX XX XXXX $XXX XXX XXXXX.<br> X. XXXX XXXXXX XX XXXXXXXX. XX XXXXXX XX XXXXXXXX XXX XX XX X XXXXXX. | IN | Primary Residence | Purchase | NA | 8591302 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 305066431 | Closed | 2026-04-10 05:11 | 2026-04-10 05:32 | 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. <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. <br> 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 - 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 |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. <br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#XXX XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | IN | Primary Residence | Purchase | NA | 8591227 | N/A | N/A |
| XXXX | XXXX |  | 305082312 | Closed | 2026-04-03 02:59 | 2026-04-10 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD updated to loan review, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from loan file - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXX XX XXXXXXX XX XXXX XXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX XX.XXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 8469001 | N/A | N/A |
| XXXX | XXXX |  | 305082312 | Closed | 2026-04-02 22:33 | 2026-04-10 17:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Commitment with correct loan amount provided, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXX,XXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXXX XXXXXX XX $XXXXXXX XX XXXXX XX XX XXXXXXX XXXX XXXXX XXXXXX XX XXXXXXX XXXX(X) - XXXXXXXXXX XXXX XXXXXXX XXXX XXXXXX XXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX.XXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 8467525 | N/A | N/A |
| XXXX | XXXX |  | 305082312 | Closed | 2026-04-10 17:33 | 2026-04-14 23:20 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX _xXXXX_<br> Open-This loan failed the charges than cannot increase test due to the points fee that increased to $XX,XXX.XX when the final CD was issued to X/XX/XX without a valid change in circumstance. There is no evidence of reimbursement. Provide a valid COC form or to cure provide PCCD, LOE, evidence of refund and POD. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | X XX XXX.XXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 8607875 | N/A | N/A |
| XXXX | XXXX |  | 305082478 | Closed | 2026-04-03 00:10 | 2026-04-17 15:45 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Acknowledged-XX Acknowledged - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Unable to Resolve-Unable to Resolve-Unable to resolve; XX has received one signed copy from borrower. - Buyer-XX/XX/XXXX _xXXXX_<br> Counter-Provide an executed Final Business Purpose and Occupancy Affidavit Disclosure. Initial Business Purpose and Occupancy Affidavit Disclosure dated XX/XX/XX in file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. see attached. - Buyer-XX/XX/XXXX _xXXXX_<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 Affidavit is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXXXXXX-XX XXXXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXX XXXXXXX XXXX XXXXXXXXXXXXX.XXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 8468079 | Investor Post-Close | No |
| XXXX | XXXX |  | 305066428 | Closed | 2026-04-12 23:17 | 2026-04-17 07:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-COC uploaded - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<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)). Require COC for final cd where lender credits decreased to $X,XXX.XX from previous CD lender credits $X,XXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXX XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXXX XXXXXXXX XX X.X.XX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8613103 | N/A | N/A |
| XXXX | XXXX |  | 305066428 | Closed | 2026-04-12 23:29 | 2026-04-17 03:52 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uw used X/XX/XX matirx - Seller-XX/XX/XXXX _xXXXX_<br> Open-Provided lender approval pg-XXX is missing with matrix date (in bid tape data also missing) . Hence utilized latest available XX/XX/XXXX matrix as per application date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uw used X/XX/XX matirx - Seller-XX/XX/XXXX_xXXXX_ | XXXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX XXXXXX XXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8613168 | N/A | N/A |
| XXXX | XXXX |  | 305066428 | Closed | 2026-04-12 23:17 | 2026-04-17 07:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets XXXX XXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California 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%).(Cal. 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 <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#'s 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 XXXXXXXXX, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX.<br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX <br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX. <br> XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX<br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX<br> XXXX XXXX XXX XX XX-XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XX XX-XX. <br> X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XX XXX-XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX.<br> XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8613105 | N/A | N/A |
| XXXX | XXXX |  | 305066428 | Closed | 2026-04-12 23:17 | 2026-04-17 07:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX XXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<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 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 <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#'s 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 XXXXXXXXX, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX.<br> XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX <br> XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. <br> XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX. <br> XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX, XXX<br> XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXX<br> XXXX XXXX XXX XX XX-XXX<br> XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX XX XX-XX. <br> X XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX XX XXX-XXX.<br> XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX-XXX.<br> XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8613104 | N/A | N/A |
| XXXX | XXXX |  | 305082375 | Closed | 2026-04-08 05:58 | 2026-04-16 00:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Section 50 a6 Signature Date is not signed 12 or more days prior to Closing Date | Resolved-Texas section XX AX disclosure doc provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Texas XX aX uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-Section XX aX Signature has not been signed within XX days of closing. Initial Section XX aX Signature document is missing missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXX XXXXXXX XX XX XXXXXXXXXX XXX XXXXXXXX. XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXX XXXXXXX XXXXX XX XX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8545273 | N/A | N/A |
| XXXX | XXXX |  | 305082375 | Closed | 2026-04-08 06:14 | 2026-04-09 08:06 | 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 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 XXXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. 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#'s XXXX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XXX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXX,XXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8545640 | N/A | N/A |
| XXXX | XXXX |  | 305077817 | Closed | 2026-04-13 05:53 | 2026-04-15 11:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-j - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<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 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 XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XX, XXX XXXX XX XXX XXXXXXXXX XXX XXXXX XX XXX XXXXXXXX – XXX XX#'X XXX XXX XXX XXXX XX XXX XXXXXXXXXX. XXX XXXX XXXXX XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8619249 | N/A | N/A |
| XXXX | XXXX |  | 305082382 | Closed | 2026-04-08 23:09 | 2026-04-20 03:46 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated XXXX. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX _xXXXX_<br> Open-The XXXX document is missing from the loan file. Provide the XXXX document is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX. XXXXXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXXXXX XX XXXXXXX XX XXX XXXX XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8565102 | N/A | N/A |
| XXXX | XXXX |  | 305082209 | Closed | 2026-04-15 00:15 | 2026-04-17 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-See attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXXXXXX XXXXXXXXX XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXX_X.XXX |  |  | RI | Second Home | Refinance | Cash Out - Other | 8667019 | N/A | N/A |
| XXXX | XXXX |  | 305082209 | Closed | 2026-04-15 01:20 | 2026-04-16 14:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet XXXXXXXXX Requirements Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXX-XXXXXXX XXXXXXX XXXX XXX XXXX XXXXXXXXX XXXXXXXXXXXX XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  | XXXXXX XXXXXX XX XXXXX XXXX XXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX:<br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX.<br> XXX XX X.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXXXX XXX XXXXXX XX XXXX XXX XXXX XXXX XX XXXXX. | RI | Second Home | Refinance | Cash Out - Other | 8667624 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305082540 | Closed | 2026-04-10 06:14 | 2026-04-16 05:54 | 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-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-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s 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 <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX-XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'X XXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#'X XXX. XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX-XXX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'X XXXX, XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXX. XXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | FL | Primary Residence | Purchase | NA | 8592032 | N/A | N/A |
| XXXX | XXXX |  | 305088962 | Closed | 2026-04-14 01:21 | 2026-05-01 07:17 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-X - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please advise what is needed here. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-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)) 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#'sXXX, 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#'s 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 | Ready for Review-Please advise what is needed here. - Seller-XX/XX/XXXX<br>| XXXXXXXX-X - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXX XXXX XXXXX XXXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | IL | Primary Residence | Purchase | NA | 8640865 | N/A | N/A |
| XXXX | XXXX |  | 305088962 | Closed | 2026-04-13 23:09 | 2026-05-01 01:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Proof for EMD funds uploaded, Asset X Meets XXXXXXXXX Requirements Or Not Applicable, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EMD - Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet XXXXXXXXX Requirements Require wire proof of deposit for EMD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EMD - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXX XXX XXX XXXXX XXXXXXXX, XXXXX X XXXXX XXXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXX X XXXXX XXXXXXXXX XXXXXXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXXXXXXX_XXXXX XXXXX_XXX.XXX |  |  | IL | Primary Residence | Purchase | NA | 8639556 | N/A | N/A |
| XXXX | XXXX |  | 305088934 | Closed | 2026-04-21 06:07 | 2026-04-29 05:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Updated Loan Approval uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Version date is missing in the Loan approval. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXX XXXXXXXX XXXXXXXX, XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8791782 | N/A | N/A |
| XXXX | XXXX |  | 305088934 | Closed | 2026-04-21 06:48 | 2026-04-28 05:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Verification of assets uploaded, Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s), Verified - Resolved - Due Diligence Vendor-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) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Shortage of reserves , $X,XXX.XX, provide additional reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXXXXXX XX XXXXXX XXXXXXXX, XXXXXXX XXXXXXXX XX X.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X), XXXXXXXX - XXXXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX _XXXXX_<br> XXXXXXXX-XXXXXXX XXXXXXXX XX X.XX XXXXX(X) XXX XXXXXXX XXXX XX XXXXX XX XXXXXXXXX XXXXXXXX XXXXXXXX XX X XXXXX(X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ | XXXXX XXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 8792566 | N/A | N/A |
| XXXX | XXXX |  | 305088934 | Closed | 2026-04-21 06:38 | 2026-04-21 06:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) 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#'sXXX, 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#'s XXXThe loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXX XXXX'X (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX "XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8792318 | N/A | N/A |
| XXXX | XXXX |  | 305088934 | Closed | 2026-04-21 06:38 | 2026-04-21 06:40 | 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%).(Cal. 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. 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#'sXXX, 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#'s XXXThe loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | XXXXXXXX-XXXX XX X XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). XXX XXXX'X XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXXXX XXXX XXXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXX XXXXX XX XXX XXXX XXXX XXX XXXXXXXX XXXX XX XXX XXXXXX XXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XXXX XX (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXX.XX(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXX XXX XXX XXXXXXXXXX XXX, XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXX XXXX XXXX XX XXXX XXXXXXX XX XXXXXXXXXX XXXXXXXXXXXX XX XX XXX §XXXX.XX, XXXX XXXXXXX XXX XXXXXXXXX XXXXXX XXXXXXXXX XXX XXXXXX XXX XX XXXX XX XXX XXXXXX-XXXXXX XXXXXXXX XXXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXX. XXXX XXXXXX XXXXXXXXXX XXXX XXX XXXXXXX XXXXXXXXX XXX XXXXXXXXXXX, XXX'X, XXXX, XXX XXXXX XXX XXXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX XX#'X XXX XXX XXX XXXXX XXXXXXX XXXXXXXXXX XX XX#'XXXX, XXXXXXX XXXXXXXX XXXXXXX. XXXX XXXX XXXX XXX XXXXXXX XXXXXXXXX – XXX XX#XXX XX XXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXX – XXX XX XX, XXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX(X)- XXX XX#'XXX XX XXXX XXX XXXXXXXXXXXX XXX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXXX – XXX XX#'X XXXXXX XXXX XXXXX XXXX XXXXXXXXXX, XXXXXXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX_XXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 8792319 | N/A | N/A |

---

## Exhibit 99.45

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.45**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | XXXX | 304511227 | XXXX D A |
| XXXX | XXXX | 304498025 | XXXX A |
| XXXX | XXXX | 304639292 | XXXX C A |
| XXXX | XXXX | 304643641 | XXXX A D |
| XXXX | XXXX | 304643757 | XXXX A D |
| XXXX | XXXX | 304498148 | XXXX C A |
| XXXX | XXXX | 304639183 | XXXX D A |
| XXXX | XXXX | 304643604 | XXXX C D A |
| XXXX | XXXX | 304643842 | XXXX C D A |
| XXXX | XXXX | 304643729 | XXXX A D |
| XXXX | XXXX | 304643728 | XXXX A |
| XXXX | XXXX | 304643614 | XXXX A D |
| XXXX | XXXX | 304643709 | XXXX A D |
| XXXX | XXXX | 304643661 | XXXX A |
| XXXX | XXXX | 304701957 | XXXX A D B |
| XXXX | XXXX | 304717898 | XXXX C A |
| XXXX | XXXX | 304724749 | XXXX D A |
| XXXX | XXXX | 304734541 | XXXX D A |
| XXXX | XXXX | 304731335 | XXXX A D B |
| XXXX | XXXX | 304765373 | XXXX D B A |
| XXXX | XXXX | 304893250 | XXXX D A |
| XXXX | XXXX | 304898824 | XXXX D A B |
| XXXX | XXXX | 304896420 | XXXX A D |
| XXXX | XXXX | 305067555 | XXXX B A |
| XXXX | XXXX | 305033645 | XXXX D A |
| XXXX | XXXX | 304905163 | XXXX A D |
| XXXX | XXXX | 304874426 | XXXX D A B |
| XXXX | XXXX | 305071422 | XXXX C A |
| XXXX | XXXX | 305036078 | XXXX A |
| XXXX | XXXX | 305071418 | XXXX D B A |
| XXXX | XXXX | 305038351 | XXXX D A B |
| XXXX | XXXX | 305047159 | XXXX D A |
| XXXX | XXXX | 305048477 | XXXX A |
| XXXX | XXXX | 305030693 | XXXX A |
| XXXX | XXXX | 305048600 | XXXX D A |
| XXXX | XXXX | 305048526 | XXXX A |
| XXXX | XXXX | 305071421 | XXXX A |
| XXXX | XXXX | 305071398 | XXXX C B A |
| XXXX | XXXX | 305048399 | XXXX D A |
| XXXX | XXXX | 305048544 | XXXX A |
| XXXX | XXXX | 305048589 | XXXX C B A |
| XXXX | XXXX | 305048373 | XXXX D A |
| XXXX | XXXX | 305082538 | XXXX A D |
| XXXX | XXXX | 305034603 | XXXX A |
| XXXX | XXXX | 305082534 | XXXX A |
| XXXX | XXXX | 305048423 | XXXX A |
| XXXX | XXXX | 305077670 | XXXX D A |
| XXXX | XXXX | 305033681 | XXXX D A |
| XXXX | XXXX | 305032526 | XXXX D A |
| XXXX | XXXX | 305048395 | XXXX C A |
| XXXX | XXXX | 305048333 | XXXX A |
| XXXX | XXXX | 305071543 | XXXX D A B |
| XXXX | XXXX | 305048599 | XXXX D A |
| XXXX | XXXX | 305031119 | XXXX C A B |
| XXXX | XXXX | 305042626 | XXXX D A |
| XXXX | XXXX | 305077655 | XXXX C A |
| XXXX | XXXX | 305085876 | XXXX D A |
| XXXX | XXXX | 305085877 | XXXX A |
| XXXX | XXXX | 305077649 | XXXX A D |
| XXXX | XXXX | 305048556 | XXXX A |
| XXXX | XXXX | 305030973 | XXXX D A |
| XXXX | XXXX | 305082650 | XXXX A |
| XXXX | XXXX | 305048398 | XXXX D A |
| XXXX | XXXX | 305071534 | XXXX A |
| XXXX | XXXX | 305082498 | XXXX D A |
| XXXX | XXXX | 305071404 | XXXX D A |
| XXXX | XXXX | 305071394 | XXXX D A |
| XXXX | XXXX | 305077645 | XXXX A C |
| XXXX | XXXX | 305077646 | XXXX A |
| XXXX | XXXX | 305071531 | XXXX D A |
| XXXX | XXXX | 305028163 | XXXX C D A B |
| XXXX | XXXX | 305071464 | XXXX B A |
| XXXX | XXXX | 305071399 | XXXX A |
| XXXX | XXXX | 305071309 | XXXX C A |
| XXXX | XXXX | 305032542 | XXXX A |
| XXXX | XXXX | 305071387 | XXXX A |
| XXXX | XXXX | 305071357 | XXXX D A |
| XXXX | XXXX | 305071476 | XXXX C A B |
| XXXX | XXXX | 305082779 | XXXX D A |
| XXXX | XXXX | 305071527 | XXXX A |
| XXXX | XXXX | 305071322 | XXXX A |
| XXXX | XXXX | 305082533 | XXXX A |
| XXXX | XXXX | 305071533 | XXXX A C |
| XXXX | XXXX | 305071344 | XXXX A |
| XXXX | XXXX | 305071489 | XXXX C A |
| XXXX | XXXX | 305071449 | XXXX C A B |
| XXXX | XXXX | 305071491 | XXXX D A |
| XXXX | XXXX | 305054694 | XXXX D A |
| XXXX | XXXX | 305071468 | XXXX D A |
| XXXX | XXXX | 305071487 | XXXX C A |
| XXXX | XXXX | 305048500 | XXXX A C |
| XXXX | XXXX | 305082525 | XXXX A |
| XXXX | XXXX | 305082521 | XXXX A |
| XXXX | XXXX | 305071361 | XXXX D A |
| XXXX | XXXX | 305071314 | XXXX A |
| XXXX | XXXX | 305057919 | XXXX D C A |
| XXXX | XXXX | 305082527 | XXXX A |
| XXXX | XXXX | 305082523 | XXXX A |
| XXXX | XXXX | 305082596 | XXXX A |
| XXXX | XXXX | 305082645 | XXXX A |
| XXXX | XXXX | 305082636 | XXXX C A |
| XXXX | XXXX | 305071536 | XXXX A |
| XXXX | XXXX | 305082443 | XXXX D A |
| XXXX | XXXX | 305082469 | XXXX A |
| XXXX | XXXX | 305082510 | XXXX A |
| XXXX | XXXX | 305082522 | XXXX C A |
| XXXX | XXXX | 305071380 | XXXX D A B |
| XXXX | XXXX | 304902571 | XXXX C A B |
| XXXX | XXXX | 305071340 | XXXX A D |
| XXXX | XXXX | 305061098 | XXXX A |
| XXXX | XXXX | 305071508 | XXXX D A B |
| XXXX | XXXX | 305082512 | XXXX C A |
| XXXX | XXXX | 305061588 | XXXX D A |
| XXXX | XXXX | 305064795 | XXXX A |
| XXXX | XXXX | 305082633 | XXXX A |
| XXXX | XXXX | 305082628 | XXXX A |
| XXXX | XXXX | 305082494 | XXXX C D A B |
| XXXX | XXXX | 305082488 | XXXX D A |
| XXXX | XXXX | 305066607 | XXXX C A |
| XXXX | XXXX | 305071386 | XXXX D A |
| XXXX | XXXX | 305082653 | XXXX A |
| XXXX | XXXX | 305071453 | XXXX A |
| XXXX | XXXX | 305071435 | XXXX A C |
| XXXX | XXXX | 305082649 | XXXX D A |
| XXXX | XXXX | 305082658 | XXXX A |
| XXXX | XXXX | 305053726 | XXXX C A B |
| XXXX | XXXX | 305082351 | XXXX D A |
| XXXX | XXXX | 305071367 | XXXX C A B |
| XXXX | XXXX | 305082767 | XXXX D A |
| XXXX | XXXX | 305071334 | XXXX A |
| XXXX | XXXX | 305054667 | XXXX A D |
| XXXX | XXXX | 305071403 | XXXX D C A |
| XXXX | XXXX | 305082422 | XXXX A |
| XXXX | XXXX | 305071376 | XXXX A |
| XXXX | XXXX | 305054826 | XXXX C B A |
| XXXX | XXXX | 305082531 | XXXX A |
| XXXX | XXXX | 305082654 | XXXX A |
| XXXX | XXXX | 305082490 | XXXX D A |
| XXXX | XXXX | 305066603 | XXXX D A |
| XXXX | XXXX | 305082618 | XXXX B A |
| XXXX | XXXX | 305071442 | XXXX C A |
| XXXX | XXXX | 305082621 | XXXX B A |
| XXXX | XXXX | 305071339 | XXXX A |
| XXXX | XXXX | 305082350 | XXXX A |
| XXXX | XXXX | 305071341 | XXXX A |
| XXXX | XXXX | 305071374 | XXXX C A |
| XXXX | XXXX | 305071451 | XXXX A |
| XXXX | XXXX | 305082643 | XXXX A |
| XXXX | XXXX | 305082578 | XXXX A |
| XXXX | XXXX | 305082640 | XXXX A |
| XXXX | XXXX | 305071450 | XXXX A |
| XXXX | XXXX | 305082539 | XXXX C A B |
| XXXX | XXXX | 305071365 | XXXX A |
| XXXX | XXXX | 305066380 | XXXX A |
| XXXX | XXXX | 305066440 | XXXX C A |
| XXXX | XXXX | 305071439 | XXXX A |
| XXXX | XXXX | 305082631 | XXXX D A |
| XXXX | XXXX | 305082530 | XXXX A C B |
| XXXX | XXXX | 305071337 | XXXX D C A |
| XXXX | XXXX | 305066602 | XXXX A |
| XXXX | XXXX | 305082634 | XXXX A |
| XXXX | XXXX | 305082591 | XXXX A D |
| XXXX | XXXX | 305082756 | XXXX A |
| XXXX | XXXX | 305071331 | XXXX A |
| XXXX | XXXX | 305066487 | XXXX D C A |
| XXXX | XXXX | 305082337 | XXXX C A |
| XXXX | XXXX | 305077671 | XXXX A |
| XXXX | XXXX | 305077675 | XXXX D A |
| XXXX | XXXX | 305071279 | XXXX D A |
| XXXX | XXXX | 305082487 | XXXX D A B |
| XXXX | XXXX | 305048283 | XXXX D A B |
| XXXX | XXXX | 305082508 | XXXX C A B |
| XXXX | XXXX | 305071379 | XXXX A |
| XXXX | XXXX | 305082455 | XXXX A |
| XXXX | XXXX | 305082472 | XXXX A C B |
| XXXX | XXXX | 305064890 | XXXX A |
| XXXX | XXXX | 305082532 | XXXX A |
| XXXX | XXXX | 305082657 | XXXX A B |
| XXXX | XXXX | 305082576 | XXXX A B |
| XXXX | XXXX | 305042676 | XXXX A |
| XXXX | XXXX | 305079291 | XXXX A |
| XXXX | XXXX | 305082526 | XXXX C A |
| XXXX | XXXX | 305038703 | XXXX A |
| XXXX | XXXX | 305082655 | XXXX C A |
| XXXX | XXXX | 305082575 | XXXX C D A B |
| XXXX | XXXX | 305082318 | XXXX D A B |
| XXXX | XXXX | 305082507 | XXXX D A |
| XXXX | XXXX | 305071424 | XXXX A |
| XXXX | XXXX | 305082301 | XXXX A |
| XXXX | XXXX | 305071295 | XXXX C A |
| XXXX | XXXX | 305082609 | XXXX B A |
| XXXX | XXXX | 305066431 | XXXX C A B |
| XXXX | XXXX | 305082312 | XXXX C D A |
| XXXX | XXXX | 305082478 | XXXX D A B |
| XXXX | XXXX | 305071301 | XXXX A |
| XXXX | XXXX | 305078035 | XXXX A |
| XXXX | XXXX | 305071383 | XXXX A |
| XXXX | XXXX | 305061100 | XXXX A |
| XXXX | XXXX | 305066428 | XXXX C A |
| XXXX | XXXX | 305082375 | XXXX A D |
| XXXX | XXXX | 305082589 | XXXX A |
| XXXX | XXXX | 305077817 | XXXX A |
| XXXX | XXXX | 305082382 | XXXX D A |
| XXXX | XXXX | 305082334 | XXXX A |
| XXXX | XXXX | 305082209 | XXXX D A B |
| XXXX | XXXX | 305082558 | XXXX A |
| XXXX | XXXX | 305082540 | XXXX A |
| XXXX | XXXX | 305082528 | XXXX A |
| XXXX | XXXX | 305088962 | XXXX C A |
| XXXX | XXXX | 305077088 | XXXX A |
| XXXX | XXXX | 305082563 | XXXX A |
| XXXX | XXXX | 305088934 | XXXX D A |

---

## Exhibit 99.46

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.46**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | XXXX | 304511227 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 68.8 | 68.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304498025 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| XXXX | XXXX | 304639292 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0291 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0291 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643641 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304643757 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 75 | 75 |  |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304498148 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 304639183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304643604 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643842 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 75 | 75 | XXXX | XXXX | -.3438 |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643729 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643728 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 75 | 75 |  |  |  |  | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643614 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 75 | 75 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643709 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304643661 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304701957 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304717898 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 304724749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71B |  | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0222 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0222 | XXXX | GOOD | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304734541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0372 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0372 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304731335 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71B |  | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304765373 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other |  | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0067 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0067 | XXXX | Not Provided | 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) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | XXXX | 304898824 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304896420 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other |  | XXXX | XXXX | XXXX | 72.78 | 72.78 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305067555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305033645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304905163 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71B | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0167 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0167 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304874426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71B | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305036078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071418 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 76.8 | 76.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305047159 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305048477 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305030693 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 56.34 | 56.34 | XXXX | XXXX | .1620 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1620 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048600 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.78 | 74.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048526 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071421 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305071398 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048399 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048544 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048589 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.77 | 63.77 |  |  |  |  |  |  |  |  | XXXX | XXXX | .1480 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048373 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082538 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305034603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082534 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305048423 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0886 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0886 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305033681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0120 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0120 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305032526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305048395 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.72 | 53.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305048333 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071543 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305048599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305031119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 64.67 | 64.67 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305042626 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 53.06 | 53.06 | XXXX | XXXX | .0437 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0437 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305085876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305085877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077649 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.64 | 48.64 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0052 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048556 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305082650 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048398 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305071534 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082498 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071404 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077645 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305077646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.0 | 84.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305071531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305028163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0079 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0079 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071464 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.41 | 74.41 |  |  |  |  |  |  |  |  | XXXX | XXXX | .1429 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071399 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 73.41 | 73.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305071309 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305032542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.21 | 67.21 | XXXX | XXXX | .0066 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0066 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071357 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071476 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082779 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082533 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071533 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071489 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071449 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071491 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0569 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0569 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305054694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 74.74 | 74.74 | XXXX | XXXX | .0208 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0208 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071468 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071487 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082525 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082521 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.67 | 79.67 | XXXX | XXXX | -.0440 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0440 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071361 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 43.63 | 43.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305057919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082527 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305082523 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305082596 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082645 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082636 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071536 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305082443 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.62 | 78.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305082469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305082510 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.14 | 76.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082522 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 305071380 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304902571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071340 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.57 | 71.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | -.0457 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305061098 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0182 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0182 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071508 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082512 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061588 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 64.95 | 64.95 | XXXX | XXXX | .0516 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0516 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305064795 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Appraisal Narrative |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Appraisal Narrative |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082633 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082628 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082494 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305082488 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305066607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071386 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082653 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0309 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0309 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305071435 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082649 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082658 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.77 | 64.77 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305053726 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0876 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0876 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082351 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305071367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 88.2 | 88.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082767 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071334 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305054667 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.08 | 69.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071403 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305082422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 73.28 | 73.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071376 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0472 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0472 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305054826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082531 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305082654 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082490 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.77 | 74.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305066603 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.0 | 79.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082618 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305071442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305082621 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071339 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.54 | 84.54 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071341 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071374 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082643 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.46 | 78.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082578 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.66 | 55.66 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082640 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082539 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.66 | 51.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305071365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305066380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 305066440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305071439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082631 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.13 | 68.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305071337 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305066602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082634 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0769 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071331 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305066487 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.9 | 60.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082337 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305077675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305071279 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.59 | 70.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082487 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048283 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305082508 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 305071379 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305082472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 78.26 | 78.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305064890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71B | XXXX | XXXX | XXXX | XXXX | 42.83 | 42.83 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305082657 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305042676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305079291 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0079 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0079 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082526 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038703 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 61.25 | 61.25 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082655 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305082318 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082507 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071424 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 64.62 | 64.62 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082301 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  | XXXX | XXXX | .0045 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082609 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.2 | 73.2 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305066431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305082312 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305082478 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305071301 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305078035 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305071383 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305066428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305082375 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.19 | 45.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 305082589 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.19 | 58.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305077817 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305082382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082334 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082209 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305082558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305082528 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.13 | 34.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305088962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305077088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305082563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305088934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |

---