# EDGAR Filing Document

**Accession Number:** 0001841025
**File Stem:** 0001999371-25-017379
**Filing Date:** 2025-11
**Character Count:** 1967068
**Document Hash:** c0a4e34e3225c660c46c6402187883f2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-017379.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001999371-25-017379

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

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20251110

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

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nomura Asset Depositor Company, LLC
- **CENTRAL INDEX KEY:** 0001841025

**ORGANIZATION NAME:**
- **EIN:** 133518229
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0331

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05340
- **FILM NUMBER:** 251467458

**BUSINESS ADDRESS:**
- **STREET 1:** WORLDWIDE PLAZA, 309 W. 49TH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10019
- **BUSINESS PHONE:** 212-667-1557

**MAIL ADDRESS:**
- **STREET 1:** WORLDWIDE PLAZA, 309 W. 49TH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10019
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nomura Asset Depositor Company, LLC
- **CENTRAL INDEX KEY:** 0001841025

**ORGANIZATION NAME:**
- **EIN:** 133518229
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0331

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

**BUSINESS ADDRESS:**
- **STREET 1:** WORLDWIDE PLAZA, 309 W. 49TH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10019
- **BUSINESS PHONE:** 212-667-1557

**MAIL ADDRESS:**
- **STREET 1:** WORLDWIDE PLAZA, 309 W. 49TH STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10019

**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>Nomura Asset Depositor Company, LLC</u>**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to ____________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer: __________________

------

Name and telephone number, including area code, <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: 0001841025

**NLT 2025-NQM1 Trust**

------

(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): ________________

**Sanil Patel, 212-667-9992**

------

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("SitusAMC") Executive Summary |
| [99.2](ex99-2.htm) | SitusAMC Rating Agency Grades Report |
| [99.3](ex99-3.htm) | SitusAMC Exception Grades Report |
| [99.4](ex99-4.htm) | SitusAMC Valuation Summary |
| [99.5](ex99-5.htm) | SitusAMC Multi Property Valuation Summary |
| [99.6](ex99-6.htm) | SitusAMC Data Compare Summary |
| [99.7](ex99-7.htm) | Clayton Services LLC ("Clayton") Narrative |
| [99.8](ex99-8.htm) | Clayton Non ATR QM Report |
| [99.9](ex99-9.htm) | Clayton Rating Agency ATR QM Report |
| [99.10](ex99-10.htm) | Clayton Valuations Summary |
| [99.11](ex99-11.htm) | Clayton Conditions Report |
| [99.12](ex99-12.htm) | Clayton Loan Level Tape Compare |
| [99.13](ex99-13.htm) | Clayton Waived Conditions Summary |

---

**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.

---

| | | |
|:---|:---|:---|
|  | **Nomura Asset Depositor Company, LLC** | **Nomura Asset Depositor Company, LLC** |
|  | (Depositor) | (Depositor) |
| Date: November 10, 2025 | By: | /s/ Scott Lechner |
|  | Name: | Scott Lechner |
|  | Title: | Managing Director |

---

## Exhibit 99.1

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on loans originated by various parties acquired by Nomura Corporate Funding Americas, LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from November 2023 through October 2025 on mortgage loans with origination dates from April 2023 to September 2025 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (325 mortgage loans) and the Leases Review Scope (622 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scope) are together referred to as the Loans.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The Review contained nine hundred forty-seven (947) loans totaling an aggregate original principal balance of approximately $384.944 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(4) Quality or integrity of information or data about the assets: review and methodology.** AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Cost Basis | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Zip |

---

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![](ex991001.jpg)

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)") were 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.**

**<u>CREDIT REVIEW (325 Loans)</u>**

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

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

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

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

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

**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 for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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![](ex991001.jpg)

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

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

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

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

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)") were used in the assessment of conformity guidelines.

**<u>LEASES REVIEW (622 Loans)</u>**

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

For each Loan, AMC will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

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

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

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>DATA COLLECTION</u>**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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![](ex991001.jpg)

**(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 guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

In instances where one appraisal is completed, the CU score must be reviewed. The CU score must be less than or equal to 2.5. If the CU score exceeds 2.5, a CDA supporting value must be provided. When an appraisal is transferred to the originating creditor from another lender, a CDA must be completed on that appraisal regardless of the CU score. The variance between the CDA and appraisal must be less than or equal to 10%. If it is greater than 10%, an additional appraisal review product must be completed. In instances where two appraisals are completed, additional review products are not required except as otherwise specified but may be provided at the discretion of the Seller.

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

**<u>COMPLIANCE REVIEW (325 Loans)</u>**

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

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

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

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.

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&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. |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

&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;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

**(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 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.

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![](ex991001.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the nine hundred forty-seven (947) loans reviewed, all nine hundred forty-seven (947) loans reviewed loans (100.00%) received an Overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;657 | &nbsp;&nbsp;69.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;290 | &nbsp;&nbsp;30.62% |
| &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;**947** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Note the six hundred twenty-two (622) Leases were not assigned a Compliance grade. Of the remaining three hundred twenty-five (325) loans reviewed for compliance, all three hundred twenty-five (325) loans (100.00%) subjected to a compliance review received an "A" or "B" Compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Compliance**<br> **Review**<br> **Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;233 | &nbsp;&nbsp;24.60% | &nbsp;&nbsp;71.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;92 | &nbsp;&nbsp;9.71% | &nbsp;&nbsp;28.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;622 | &nbsp;&nbsp;65.68% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All nine hundred forty-seven (947) loans reviewed received an "A" or "B" Credit grade, and seven hundred thirty-seven (737) or 77.82% received an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;737 | &nbsp;&nbsp;77.82% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;210 | &nbsp;&nbsp;22.18% |
| &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;**947** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the nine hundred forty-seven (947) loans reviewed, all nine hundred forty-seven (947) loans (100%) received an "A" or "B" Property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;941 | &nbsp;&nbsp;99.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.63% |
| &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;**947** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the nine hundred forty-seven (947) Loans reviewed, eight hundred thirty-two (832) Loans had two thousand six hundred nineteen (2,619) different tape discrepancies across fifty-four (54) data fields (some Loans had more than one data delta). The most variances were found on Mortgage Type, Borrower Last Name and Borrower SSN. Investor: Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes. Investor: Qualifying Total Debt Ratio variances that were less than or equal to 300 basis points of absolute value are not included in the population below.

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**%**<br> **Variance** | &nbsp;&nbsp;**# Of**<br> **Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;13 | &nbsp;&nbsp;927 | &nbsp;&nbsp;1.40% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;665 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;5 | &nbsp;&nbsp;213 | &nbsp;&nbsp;2.35% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;178 | &nbsp;&nbsp;676 | &nbsp;&nbsp;26.33% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;45 | &nbsp;&nbsp;213 | &nbsp;&nbsp;21.13% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;41 | &nbsp;&nbsp;238 | &nbsp;&nbsp;17.23% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;214 | &nbsp;&nbsp;702 | &nbsp;&nbsp;30.48% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;212 | &nbsp;&nbsp;650 | &nbsp;&nbsp;32.62% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;29 | &nbsp;&nbsp;930 | &nbsp;&nbsp;3.12% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;20 | &nbsp;&nbsp;140 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;140 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;14 | &nbsp;&nbsp;121 | &nbsp;&nbsp;11.57% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;113 | &nbsp;&nbsp;675 | &nbsp;&nbsp;16.74% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Cost Basis | &nbsp;&nbsp;3 | &nbsp;&nbsp;32 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;265 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;65 | &nbsp;&nbsp;631 | &nbsp;&nbsp;10.30% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;236 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;6 | &nbsp;&nbsp;26 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;6 | &nbsp;&nbsp;26 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;189 | &nbsp;&nbsp;567 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;17 | &nbsp;&nbsp;20 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;867 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;132 | &nbsp;&nbsp;659 | &nbsp;&nbsp;20.03% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;268 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;302 | &nbsp;&nbsp;657 | &nbsp;&nbsp;45.97% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;31 | &nbsp;&nbsp;22.58% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;680 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;77 | &nbsp;&nbsp;913 | &nbsp;&nbsp;8.43% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;17 | &nbsp;&nbsp;947 | &nbsp;&nbsp;1.80% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;31 | &nbsp;&nbsp;930 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;32 | &nbsp;&nbsp;945 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;658 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;62 | &nbsp;&nbsp;213 | &nbsp;&nbsp;29.11% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;182 | &nbsp;&nbsp;8.79% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;50 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;27 | &nbsp;&nbsp;131 | &nbsp;&nbsp;20.61% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;6 | &nbsp;&nbsp;211 | &nbsp;&nbsp;2.84% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;2 | &nbsp;&nbsp;169 | &nbsp;&nbsp;1.18% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;147 | &nbsp;&nbsp;937 | &nbsp;&nbsp;15.69% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;941 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;25 | &nbsp;&nbsp;406 | &nbsp;&nbsp;6.16% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;39 | &nbsp;&nbsp;934 | &nbsp;&nbsp;4.18% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;6 | &nbsp;&nbsp;924 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;147 | &nbsp;&nbsp;932 | &nbsp;&nbsp;15.77% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;212 | &nbsp;&nbsp;575 | &nbsp;&nbsp;36.87% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;77 | &nbsp;&nbsp;213 | &nbsp;&nbsp;36.15% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;17 | &nbsp;&nbsp;920 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;947 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2619** | &nbsp;&nbsp;**23864** | &nbsp;&nbsp;**10.97%** | &nbsp;&nbsp;**947** |

---

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![](ex991001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;909 | &nbsp;&nbsp;95.99% | &nbsp;&nbsp;$370472507.00 | &nbsp;&nbsp;96.24% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;38 | &nbsp;&nbsp;4.01% | &nbsp;&nbsp;$14471302.00 | &nbsp;&nbsp;3.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;947 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$384943809.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$1224000.00 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;334 | &nbsp;&nbsp;35.27% | &nbsp;&nbsp;$103315826.00 | &nbsp;&nbsp;26.84% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.96% | &nbsp;&nbsp;$28676583.00 | &nbsp;&nbsp;7.45% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;466 | &nbsp;&nbsp;49.21% | &nbsp;&nbsp;$217726145.00 | &nbsp;&nbsp;56.56% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;97 | &nbsp;&nbsp;10.24% | &nbsp;&nbsp;$33573255.00 | &nbsp;&nbsp;8.72% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% | &nbsp;&nbsp;$428000.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;923 | &nbsp;&nbsp;97.47% | &nbsp;&nbsp;$366539777.00 | &nbsp;&nbsp;95.22% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$18404032.00 | &nbsp;&nbsp;4.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;511 | &nbsp;&nbsp;53.96% | &nbsp;&nbsp;$187332095.00 | &nbsp;&nbsp;48.66% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$1159600.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;84 | &nbsp;&nbsp;8.87% | &nbsp;&nbsp;$34699897.00 | &nbsp;&nbsp;9.01% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;26 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;$11990412.00 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;138 | &nbsp;&nbsp;14.57% | &nbsp;&nbsp;$78499015.00 | &nbsp;&nbsp;20.39% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;48 | &nbsp;&nbsp;5.07% | &nbsp;&nbsp;$13684875.00 | &nbsp;&nbsp;3.56% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;83 | &nbsp;&nbsp;8.76% | &nbsp;&nbsp;$21961564.00 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;$7437025.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.37% | &nbsp;&nbsp;$7904917.00 | &nbsp;&nbsp;2.05% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.06% | &nbsp;&nbsp;$20274409.00 | &nbsp;&nbsp;5.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;244 | &nbsp;&nbsp;25.77% | &nbsp;&nbsp;$165874612.00 | &nbsp;&nbsp;43.09% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;675 | &nbsp;&nbsp;71.28% | &nbsp;&nbsp;$202428421.00 | &nbsp;&nbsp;52.59% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;28 | &nbsp;&nbsp;2.96% | &nbsp;&nbsp;$16640776.00 | &nbsp;&nbsp;4.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**947** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$384943809.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.2**

![](situslogo.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 11/7/2025 9:09:49 AM** | **Run Date - 11/7/2025 9:09:49 AM** | **Run Date - 11/7/2025 9:09:49 AM** | **Run Date - 11/7/2025 9:09:49 AM** | **Run Date - 11/7/2025 9:09:49 AM** | **Run Date - 11/7/2025 9:09:49 AM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 220706689 |  |  |  |  | C | C | A | C | B | A | A | B |  |
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| 223900949 |  |  |  |  | B | A | A | B | B | A | A | B |  |
| 223900984 |  |  |  |  | C | C | A | C | B | B | A | B |  |
| 223900998 |  |  |  |  | C | B C | A | C | A | A B | A | A B |  |
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| 223904158 |  |  |  |  | C | B C | A | C | B | A B | A | B |  |
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| 223925687 |  |  |  |  | C |  | A | C | B |  | A | B |  |
| 223934669 |  |  |  |  | D |  | A | D | B |  | A | B |  |
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| 223941657 |  |  |  |  | A | C | A | C | A | A B | A | A B |  |
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| 223945550 |  |  |  |  | C | B C | A | C | A | A B | A | A B |  |
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| 224243525 |  |  |  |  | A |  | A | A | A |  | A | A |  |

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## Exhibit 99.3

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.3**

![](situslogo.jpg)

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| |
|:---|
| **Exception Grades** |
| **Run Date - 11/7/2025 9:09:51 AM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **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** |
| 220706689 |  |  |  | 29521864 |  | 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 Attorney Review Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Noted as "Investor Review Fee" on Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-11-29): [REDACTED] received rebuttal and COC suffice.<br>Seller Comment (2023-11-28): Comment from [REDACTED] ([REDACTED]): Program was changed to EA LR 30 and the program related fees were disclosed to the borrower on the LE and COC issued [REDACTED] | 11/29/2023 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 220706689 |  |  |  | 29521865 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-11-29): [REDACTED] received rebuttal and COC suffice.<br>Seller Comment (2023-11-28): Comment from [REDACTED] ([REDACTED]): Program was changed to EA LR 30 and the program related fees were disclosed to the borrower on the LE and COC issued [REDACTED] | 11/29/2023 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 220706689 |  |  |  | 29540199 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall of [REDACTED]. Independent RCE not provided. | Borrower has verified disposable income of at least [REDACTED]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-15): Per call, client approved waive<br>Reviewer Comment (2023-11-28): 100% Replacement Cost insures the property up to the amount of coverage. This is not Guaranteed Replacement coverage. While we are aware of Florida statute, an RCE can be obtained through a third party. Coverage shortfall is $[REDACTED]. Based on loan amount and cost to rebuild on the appraisal.<br>Seller Comment (2023-11-28): Comment from [REDACTED] ([REDACTED]): HOI covers dwelling up to 100% of the replacement cost |  |  | 12/15/2023 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 221038698 |  |  |  | 30169187 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-03-21): Received PDI in trailing documents.<br>Seller Comment (2024-03-21): Comment from [REDACTED] ((REDACTED)): Please find attached disaster inspection.<br>Buyer Comment (2024-03-20): Comment from [REDACTED] ((REDACTED)): As the effective date of the appraisal is prior to both disaster declaration and end dates, we are looking for a disaster inspection post end date? As the servicer for the last year, we can attest to the fact no claims or payouts related to hurricanes have been made. | 03/21/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 221038698 |  |  |  | 30169512 |  | 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 3.16611% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .16611%). |  |  |  |  | Reviewer Comment (2024-03-14): Client elects to waive. |  |  | 03/14/2024 | 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 |
| 221038698 |  |  |  | 30169513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [REDACTED] contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2024-03-27): [REDACTED] received LOA to remove XXXX estimated to be provided on [REDACTED], from testing as not provided to the borrower.<br>Seller Comment (2024-03-26): Comment from [REDACTED] ((REDACTED)): Please see clarifying letter of attestation with CDs referenced attached.<br>Reviewer Comment (2024-03-22): [REDACTED] received LOA stating the [REDACTED] CD was not provided to the borrower. However, [REDACTED] cannot assume which CD's that were included in loan package were not issued without complete identification as there are 2 CDs dated [REDACTED]. Lender attestation can include the Doc ID DXXXX for further identification information. [REDACTED] requires a Lender Attestation document that specifies any disclosure(s) and identifying of the disclosure, an explanation on why the disclosure was included in loan package for testing and if not disclosed to borrower, attesting that borrower was never issued or disclosed the disclosure(s) in question. [REDACTED] can then retest if no information in file reflects a disclosure was provided to borrower.<br>Seller Comment (2024-03-21): Comment from [REDACTED] ((REDACTED)): Our apologies - the CD issued on 4/17 was the closing CD - and signed by the borrower. I mis-read this as being the internal CD from 4/14.<br>Reviewer Comment (2024-03-21): Document XXX with a cash to close amount of $[REDACTED] is incomplete. Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.)<br>Seller Comment (2024-03-20): Comment from [REDACTED] ((REDACTED)): APR increased on [REDACTED] from [REDACTED] to [REDACTED] - an increase of less than .125%, therefore no new cooling period is required. | 03/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 221038698 |  |  |  | 30169516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [REDACTED] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete CD |  |  |  | Reviewer Comment (2024-03-27): [REDACTED] received LOA to remove document ID D0132 estimated to be provided on [REDACTED], from testing as not provided to the borrower.<br>Seller Comment (2024-03-26): Comment from [REDACTED] ((REDACTED)): Please see clarifying letter of attestation with CDs referenced attached. Identifies CDs by doc ID if applicable and by cash to close.<br>Reviewer Comment (2024-03-22): [REDACTED] received LOA stating the [REDACTED] CD was not provided to the borrower. However, [REDACTED]cannot assume which CD's that were included in loan package were not issued without complete identification as there are 2 CDs dated [REDACTED]. Lender attestation can include the Doc ID DXXX for further identification information. [REDACTED] requires a Lender Attestation document that specifies any disclosure(s) and identifying of the disclosure, an explanation on why the disclosure was included in loan package for testing and if not disclosed to borrower, attesting that borrower was never issued or disclosed the disclosure(s) in question. [REDACTED] can then retest if no information in file reflects a disclosure was provided to borrower.<br>Seller Comment (2024-03-21): Comment from [REDACTED] ((REDACTED)): Please clarify as the CD from 4/14 was not delivered as demonstrated by the attachments from our LOS .<br>Reviewer Comment (2024-03-21): Document XXXX with a cash to close amount of $[REDACTED] is incomplete. Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.)<br>Seller Comment (2024-03-21): Comment from [REDACTED] ((REDACTED)): Letter of Attestation and supporting document - CD not delivered.<br>Reviewer Comment (2024-03-21): Documents ID XXX is incomplete. If the CD is not provided to the borrower, please provide Letter of Attestation indicating the document ID 132 was never provided to the borrower and [REDACTED] will review for re-testing.<br>Buyer Comment (2024-03-20): Comment from [REDACTED] ((REDACTED)): (REDACTED)<br>CD generated on [REDACTED], done so to allow for accurate balancing with the closing agent. APR on this CD and Final CD on [REDACTED] is the same at 10.42% and < than .125% APR diff from initial CD. | 03/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 221038698 |  |  |  | 30169517 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  | Reviewer Comment (2024-03-21): [REDACTED] received COC and CD dated [REDACTED]<br>Seller Comment (2024-03-20): Comment from [REDACTED] ((REDACTED)): (REDACTED)<br>CD generated on [REDACTED], done so to allow for accurate balancing with the closing agent. APR on this CD and Final CD on [REDACTED] is the same at [REDACTED]% and < than .125% APR diff from initial CD . | 03/21/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 221292333 |  |  |  | 30552810 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 05/30/2024 |  |  | 1 B A C |  | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 221292333 |  |  |  | 30552811 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Deferment of Principal | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | Terms of the subject loan provide for deferment of principal as an Interest Only loan. |  |  |  |  | 05/30/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221292333 |  |  |  | 30553732 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Guidelines indicate borrower must have owned the property for a minimum of 6 months, property is owned by borrower's entity and not by the individual borrower. Lender exception approval in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Same employment for > 5 years<br>Reserves exceed minimum required by more than 6 months | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC<br>Originator Pre-Close,Aggregator,SitusAMC |  |  |  | 05/14/2024 | 2 B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221292333 |  |  |  | 30661598 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221339422 |  |  |  | 30617102 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification Document is Missing in the File. |  |  |  | Reviewer Comment (2024-05-29): Received LOE for Insurance exception cleared.<br>Seller Comment (2024-05-29): Comment from [REDACTED] ([REDACTED]): no insurance confirmation from the borrower was already in the file. please clear. | 05/29/2024 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221424202 |  |  |  | 30761114 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30761124 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED]). | 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 under disclosed by $-XXX.XX 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). |  |  |  |  | 06/18/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 221424202 |  |  |  | 30761125 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED]). | Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page X that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  | 06/18/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 221424202 |  |  |  | 30761126 |  | 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 [REDACTED] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  |  |  | 06/12/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 221424202 |  |  |  | 30762951 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require 12 or more consecutive months bank statements. |  |  |  |  |  | 06/19/2024 |  |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30762957 |  | 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 Higher Priced QM (APOR). | Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM |  |  |  |  | 06/19/2024 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 221424202 |  |  |  | 30763537 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Documentation shows this was provided X/X/XXXX |  |  |  |  | 06/19/2024 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30763538 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Documentation shows this was provided X/X/XX |  |  |  |  | 06/19/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30763539 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Documentation reflects this was provided X/X/XX |  |  |  |  | 06/19/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30769189 |  | 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 Verification Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | No change of circumstance provided for the verification fee of $XXX.XX |  |  |  |  | 06/18/2024 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 221424202 |  |  |  | 30837987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221424202 |  |  |  | 30837992 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221805487 |  |  |  | 31462042 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing Final signed/stamped Statement. |  |  |  | Reviewer Comment (2024-08-29): Received in trailing documents.<br>Seller Comment (2024-08-28): HUD | 08/29/2024 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 221805487 |  |  |  | 31462116 |  | 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 ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | Waived and downgraded per client email/ sheet based on available compensating factors. | SitusAMC,Aggregator | Reviewer Comment (2024-09-18): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Buyer Comment (2024-09-11): ok to waive/downgrade with comp factors<br>Reviewer Comment (2024-08-29): P&I is $[REDACTED] per Note. Total PITI = $[REDACTED].<br>Seller Comment (2024-08-27): [REDACTED] pmt x 3 = [REDACTED]; bank stmt balance = [REDACTED] |  |  | 09/18/2024 | 2 C B |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 221805487 |  |  |  | 31466873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [REDACTED] has 1 unspecified court case listed on the background report. |  |  |  | Reviewer Comment (2024-08-29): Received borrower attestation.<br>Seller Comment (2024-08-27): LOE | 08/29/2024 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 221821894 |  |  |  | 31548578 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2024-09-12): received lease extension with leased amounts<br>Reviewer Comment (2024-09-10): Agree on PITIA. Difference is applied income for each property:<br> Property Address / In Place rent / Appraisal Lease Amount / Applied Income<br> [REDACTED] [REDACTED] / [REDACTED] / [REDACTED]<br> [REDACTED] [REDACTED] / [REDACTED] / [REDACTED]<br> [REDACTED] [REDACTED]/ [REDACTED] / [REDACTED]<br> [REDACTED] [REDACTED] / [REDACTED] / [REDACTED]<br>Seller Comment (2024-09-04): (Rate Lock) PITIA is [REDACTED]<br> Monthly Income: [REDACTED]<br> DSCR: [REDACTED] | 09/12/2024 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 221845361 |  |  |  | 31318014 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-08-20): guidelines allow for 12 month rental statements<br>Seller Comment (2024-08-16): Comment from [REDACTED] ([REDACTED]): Seller guide states 12 month rental history can be used for STR calculation<br>Reviewer Comment (2024-08-16): Please Provide the 1007 Rent Comparision schedule rental history is not acceptable, Exception remains.<br>Seller Comment (2024-08-15): Comment from [REDACTED] ([REDACTED]): Rental history | 08/20/2024 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 221845384 |  |  |  | 31316997 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2024-08-15): Received Hazard Insurance document with updated expiration date hence, exception cleared<br>Seller Comment (2024-08-14): Comment from [REDACTED] ([REDACTED]): HOI | 08/15/2024 |  |  | 1 C A |  | VT | Investment | Purchase | C A |  | N/A | No |
| 221845532 |  |  |  | 31332932 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  |  | 08/15/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221845532 |  |  |  | 31332946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.07141% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .07141%). |  |  |  |  |  | 08/12/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221845532 |  |  |  | 31332949 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 08/12/2024 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 221845532 |  |  |  | 31333467 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $415.00 exceeds tolerance of $363.00 plus 10% or $399.30. Insufficient or no cure was provided to the borrower. (0)<br> Remove/Clear Exceptions |  |  |  |  |  | 08/23/2024 |  | 2 C B |  | NY | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 221845532 |  |  |  | 31357097 |  | 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 3.07141% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED](an overage of [REDACTED] or .07141%). |  |  |  |  |  |  |  | 08/12/2024 | 2 B |  | NY | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 221845532 |  |  |  | 31357098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 221928152 |  |  |  | 31544532 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2024-08-30): Received OFAC, Exception cleared.<br>Seller Comment (2024-08-30): OFAC | 08/30/2024 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 221928152 |  |  |  | 31544535 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV<br>FICO | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2024-09-12): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2024-09-12): AMC - Please waive Down<br>Reviewer Comment (2024-09-06): Moved to [REDACTED] for waiver and downgrade consideration.<br>Seller Comment (2024-09-06): Uploaded cash out exception approval<br>Seller Comment (2024-09-05): Waive guideline per [REDACTED] communication. <br> Cashout approved above XXXX |  |  | 09/12/2024 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222032932 |  |  |  | 31622386 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Minimum Investor requirement of .80 not met. Subject income derived from 1007 report. | 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 | Reviewer Comment (2024-09-11): Credit exception approval for using AirDNA report provided. Two or more compensating factors meeting client criteria provided.<br>Seller Comment (2024-09-11): Comment from [REDACTED] ([REDACTED].): see investor exception approval |  |  | 09/11/2024 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 222032932 |  |  |  | 31633717 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following receipt of trailing documents. Seller to provide UW worksheet detailing the method and calculation used for the subject property's Calculated Monthly Income. Loan submission does not include breakdown or qualifying method. |  |  |  | Reviewer Comment (2024-09-12): Received in trailing documents.<br>Seller Comment (2024-09-12): Comment from [REDACTED] ([REDACTED].): see attached | 09/12/2024 |  |  | 1 A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633560 |  | Credit | Business Purpose | General | Business Purpose | Personal Guarantor is required per Investor Guidelines |  |  |  |  |  | Reviewer Comment (2024-09-17): Received in trailing documents.<br>Seller Comment (2024-09-17): Comment from [REDACTED] ([REDACTED]): Personal Guaranty | 09/17/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633575 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing for both entities. |  |  |  | Reviewer Comment (2024-09-19): Article of Organization received for both the entity, Exception Cleared<br>Seller Comment (2024-09-19): Comment from [REDACTED] ([REDACTED]): Articles of Formation | 09/19/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633590 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing for both entities. |  |  |  | Reviewer Comment (2024-09-19): Certificate of Good Standing for both the entity Received, Exception Cleared<br>Seller Comment (2024-09-19): Comment from [REDACTED] ([REDACTED]): Good standing certs | 09/19/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing for both entities. |  |  |  | Reviewer Comment (2024-12-03): Received in trailing documents.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Please reference item #4 - (REDACTED) has the sole authority to execute all documents and take all actions necesary<br>Reviewer Comment (2024-09-20): Document received is not signed by both Managers of the borrowing entity. See previous commentary.<br>Seller Comment (2024-09-20): Comment from [REDACTED] ([REDACTED]): LLC borrowing certificate<br>Reviewer Comment (2024-09-19): Borrowing entity is owned by [REDACTED] ([REDACTED]%) and [REDACTED] ([REDACTED] %). Per the Operating Agreement of [REDACTED], Section 6 requires "Written Consent of the Majority of the Managers" to bind the entity. The Manager, [REDACTED] is [REDACTED]% owned by J[REDACTED] and [REDACTED]% owned by [REDACTED]. A Corporate Resolution authorizing signing authority to act individually has not been provided.<br>Seller Comment (2024-09-19): Comment from [REDACTED] ([REDACTED]): Company agreement | 12/03/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633595 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing for both entities. |  |  |  | Reviewer Comment (2024-09-19): Operating Agreement Received for Both the entity, Exception Cleared<br>Seller Comment (2024-09-19): Comment from [REDACTED] ([REDACTED]): Operating agreements | 09/19/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31633688 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2024-09-22): AirDNA report provided. Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2024-09-20): Comment from [REDACTED] ([REDACTED]): Exception; AirDNA shows comps on map<br>Reviewer Comment (2024-09-17): AirDNA report provided does not included 4 comparable listings and does not meet 50% Occupancy required per guidelines. Unable to apply STR income from documentation provided.<br>Seller Comment (2024-09-17): Comment from [REDACTED] ([REDACTED]): DSCR - [REDACTED]; please see attached DSCR worksheet and AirDNA data | 09/22/2024 |  |  | 1 C A |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222046975 |  |  |  | 31704597 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AirDNA Report reflects a XX% occupancy rate, less than guideline requirements. | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-22): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 09/22/2024 | 2 B |  | OK | Investment | Purchase | C B A |  | N/A | No |
| 222055559 |  |  |  | 31652277 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.91729% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [REDACTED] (2024). FNMA Finance Charge total [REDACTED] on a Original Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED] (2024) (an overage of [REDACTED] or .91729%). |  |  |  |  | Reviewer Comment (2024-09-16): Client elects to waive. |  |  | 09/16/2024 | 2 B |  | FL | 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 |
| 222055559 |  |  |  | 31652300 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2024-09-18): Timeshare property. Payment inclusive.<br>Seller Comment (2024-09-18): Comment from [REDACTED] ([REDACTED]): Property is a time share. Tax, insurance, HOA would not be applicable. | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 222055559 |  |  |  | 31652309 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2024-09-18): Timeshare property. Payment inclusive.<br>Seller Comment (2024-09-18): Comment from J[REDACTED] ([REDACTED]): Property is a time share. Tax, insurance and HOA would not be applicable. | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 222057360 |  |  |  | 31663608 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. |  |  |  |  | Reviewer Comment (2024-09-18): Allowed per guidelines.<br>Seller Comment (2024-09-18): Comment from [REDACTED] ([REDACTED]): Per seller guides, max loan amount is $[REDACTED] | 09/18/2024 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 222057360 |  |  |  | 31666689 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-09-18): AirDNA used in lieu of 1007. Allowed per guidelines.<br>Buyer Comment (2024-09-18): Comment from [REDACTED] [REDACTED]): Used AirDNA to calculate rental income | 09/18/2024 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 222057360 |  |  |  | 31668849 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AirDNA Report reflects the subject property income was based on 6 bedroom, 6 bath house. Subject property is [REDACTED]. Updated report required for accurate income estimate on the subject. |  |  |  | Reviewer Comment (2024-09-18): Report sufficient.<br>Buyer Comment (2024-09-18): Comment from [REDACTED] ([REDACTED]): Appraisal does not account for bed/bath below grade however for AirDNA purposes property is 6bed and 6bath. | 09/18/2024 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 222063644 |  |  |  | 31673920 |  | 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 |  |  | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222081408 |  |  |  | 31708389 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-10-18): Received in trailing documents.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): Refer to the disclosure tracking. | 10/18/2024 |  |  | 1 B A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31722711 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2024-10-10): Loan Designation restated. Compliance testing updated.<br>Seller Comment (2024-10-09): Comment from [REDACTED] ([REDACTED]): Please see attached.<br>Reviewer Comment (2024-10-04): APR or [REDACTED]% disclosed on the final CD exceeded Higher Priced QM (APOR) threshold of [REDACTED]%.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/10/2024 |  |  | 1 B A C |  | MI | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222081408 |  |  |  | 31745294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 43.43765% moderately exceeds the guideline maximum of 41.61%. (DTI Exception is eligible to be regraded with compensating factors.) | Used 1% of the student loan balance for monthly payment. The monthly payment amount is very low and nothing in file to show that the borrower is on an income driven repayment plan or other arrangements have been made, to account for the low amount. |  |  |  | Reviewer Comment (2024-10-04): Received CBR and updated payments.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/04/2024 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31745295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | DTI exceeds 43% |  |  |  | Reviewer Comment (2024-10-04): Updated student loan payments per CBR received in trailing docs.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/04/2024 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31745304 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Used 1% of the student loan balance for monthly payment. The monthly payment amount is very low and nothing in file to show that the borrower is on an income driven repayment plan or other arrangements have been made, to account for the low amount. |  |  |  | Reviewer Comment (2024-10-04): Updated student loan payments per CBR received in trailing docs.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/04/2024 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31745318 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI exceeds guidelines. |  |  |  | Reviewer Comment (2024-10-04): Updated student loan payments per CBR received in trailing docs.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/04/2024 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31745321 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Used 1% of the student loan balance for monthly payment. The monthly payment amount is very low and nothing in file to show that the borrower is on an income driven repayment plan or other arrangements have been made, to account for the low amount. |  |  |  | Reviewer Comment (2024-10-04): Updated student loan payments per CBR received in trailing docs.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): Please see attached. | 10/04/2024 |  |  | 1 C A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31745322 |  | Compliance | Compliance | General | Compliance | Credit/Liabilities documentation did not meet the requirements of the Seller Indicated VSH Guideline. VSH cannot be validated. |  | Used 1% of the student loan balance for monthly payment. The monthly payment amount is very low and nothing in file to show that the borrower is on an income driven repayment plan or other arrangements have been made, to account for the low amount. |  |  |  | Reviewer Comment (2024-10-04): Updated student loan payments per CBR received in trailing docs. | 10/04/2024 |  |  | 1 A |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222081408 |  |  |  | 31881649 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | MI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222111822 |  |  |  | 31766494 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | The DSCR ratio is below 1, which requires a maximum LTV of 70%. The loan was approved with an LTV of 75%. |  |  |  | Reviewer Comment (2024-10-14): Received AirDNA Report. DSCR greater than 1.00 allowed to 75%<br>Seller Comment (2024-10-14): Comment from [REDACTED] ([REDACTED]): UW LOE<br>Reviewer Comment (2024-10-07): AirDNA cannot be used without proof of rents received. Per guidelines - Short term rental income permitted with use of a 12-month look back to determine average monthly rents. Annual or monthly statements from Airbnb or similar service required. If the subject has less than twelve-month history the rent may be used for DSCR purposes provided an AirDNA rentalizer supports the run rate of the actual rents received.<br>Seller Comment (2024-09-30): Comment from [REDACTED] ([REDACTED]): DSCR Calc and Supporting AirDNA Docs | 10/14/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222111822 |  |  |  | 31946802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<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 [REDACTED]<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. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-13): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [REDACTED]<br>Seller Comment (2024-11-13): Comment from [REDACTED] ([REDACTED]): DIR re-uploaded |  |  | 11/13/2024 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222122553 |  |  |  | 31768010 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-10-08): Not required per guidelines due to narrative provided by appraisal.<br>Reviewer Comment (2024-10-07): Per page 10 of guidelines (11 of 19) DSCR Calculation - Short Term Rental - Purchase Transaction, first bullet point, second sub-bullet point - 1007 is still required. Long-term rents do not have to be considered as long as the short-term rental narrative meets the specified criteria.<br>Buyer Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): The DSCR guidelines for Short term rental income states the rental income can be identified on form 1007 OR on a Short term rental narrative completed by the appraiser within the comment section of the appraisal. The appraiser did that on page 11 of the appraisal. 1007 should not be needed since the guidelines state either/or. | 10/08/2024 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 222122553 |  |  |  | 31768018 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-10-04): Received Final Title policy, Exception cleared. | 10/04/2024 |  |  | 1 A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 222122553 |  |  |  | 31768020 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-10-04): Received Final Title policy, Exception cleared.<br>Seller Comment (2024-10-04): Comment from [REDACTED] ([REDACTED]): Final Title Policy shows coverage of loan amount. Please advise if cleared or why this does not clear exception if so. Thanks!<br>Reviewer Comment (2024-10-03): Title Supplemental Report or Title Commitment or Title Final is needed to consider coverage amount, exception remains.<br>Seller Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): attached | 10/04/2024 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 222122553 |  |  |  | 31768032 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | An extensive appraiser narrative is included in the appraisal as it relates to short term market rent, however a final reconciled monthly amount was not evident. Please provide so the final DSCR can be confirmed. |  |  |  | Reviewer Comment (2024-10-07): Documentation provided for short term rentals within subject villas<br>Buyer Comment (2024-10-02): Comment from [REDACTED] ([REDACTED]): The DSCR guidelines for Short term rental income states the rental income can be identified on form 1007 OR on a Short term rental narrative completed by the appraiser within the comment section of the appraisal. The appraiser did that on page 11 of the appraisal. 1007 should not be needed since the guidelines state either/or. | 10/07/2024 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 222122995 |  |  |  | 31779685 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-10-02): Included in TD.<br>Seller Comment (2024-10-02): [REDACTED] is our rental servicer eoi provided | 10/02/2024 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| 222144504 |  |  |  | 31882522 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-10-16): Received in trailing documents.<br>Seller Comment (2024-10-15): secondaries | 10/16/2024 |  |  | 1 D A |  |  | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| 222144504 |  |  |  | 31902661 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject loan is cross-collateralized. Missing allocated loan amounts. |  |  |  | Reviewer Comment (2024-10-16): Received in trailing documents.<br>Seller Comment (2024-10-15): allocated loan amounts | 10/16/2024 |  |  | 1 C A |  |  | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| 222144843 |  |  |  | 31803454 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower lives rent free as the primary residence is in the non-borrowing spouse's name only. The borrower is on title only. Exception in file. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED] | 791 FICO | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-11): Exception approval provided<br>Seller Comment (2024-10-08): Comment from [REDACTED] ([REDACTED]): Exception |  |  | 10/11/2024 | 2 C B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222144843 |  |  |  | 31803471 |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. |  | Per the 1008, short rental income was used to qualify the loan with AirDNA and annual rents. The AirDNA report and annual rents verification was not in the file. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED] | 791 FICO | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-11): Purchase with Airdna provided<br>Seller Comment (2024-10-08): Comment from [REDACTED] ([REDACTED]): AirDNA | 10/11/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222144843 |  |  |  | 31828615 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-10-11): received Air DNA<br>Seller Comment (2024-10-08): Comment from [REDACTED] ([REDACTED]): Airdna used to calculate STR | 10/11/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222163525 |  |  |  | 31862669 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Title - Title Endorsement Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2024-10-21): [REDACTED] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2024-10-21): Comment from [REDACTED] ([REDACTED]): Refund Package |  | 10/21/2024 |  | 2 C B |  | TX | 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 |
| 222183461 |  |  |  | 31858773 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-11-14): Received CDA, exception cleared.<br>Seller Comment (2024-11-14): Comment from [REDACTED] ([REDACTED]): CDA and Original Appraisal | 11/14/2024 |  |  | 1 D A |  | ME | Investment | Purchase | D A |  | N/A | No |
| 222193029 |  |  |  | 31868584 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-10-17): Received Articles of Organization, exception cleared.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): Articles | 10/17/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222193029 |  |  |  | 31886826 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing a copy of the final HUD, the estimated settlement statement was provided. |  |  |  | Reviewer Comment (2024-10-15): Received in trailing documents.<br>Seller Comment (2024-10-15): Comment from [REDACTED] ([REDACTED]): final settlement stmt | 10/15/2024 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222193029 |  |  |  | 31889949 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW income worksheet with breakdown of income being used for qualifying. File submission includes both STR and LTR documentation. |  |  |  | Reviewer Comment (2024-10-18): Received in trailing documents.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): income worksheet | 10/18/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222193029 |  |  |  | 31889954 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AirBnB History report does not identify the property. Unable to confirm for subject property. |  |  |  | Reviewer Comment (2024-10-18): Received in trailing documents.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): User ID [REDACTED] listing and copy of Airbnb listing for subject property which matches up with the User ID on payment history | 10/18/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222193064 |  |  |  | 31876399 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 222193064 |  |  |  | 31896577 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-10-25): received in trailing documents.<br>Seller Comment (2024-10-25): Comment from [REDACTED] ([REDACTED]): Approval | 10/25/2024 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 222193064 |  |  |  | 31896578 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of HOA fees required. Appraisal reflects [REDACTED] per month in fees and Doc ID appears to reflect [REDACTED] in additional assessments. [REDACTED] used for review. |  |  |  | Reviewer Comment (2024-10-28): Received confirmation. HOA updated to [REDACTED]<br>Seller Comment (2024-10-28): Comment from [REDACTED] ([REDACTED]): Explanation from Team | 10/28/2024 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 222193064 |  |  |  | 31896579 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2024-10-28): Received in trailing documents.<br>Seller Comment (2024-10-28): Comment from [REDACTED] ([REDACTED]): Questionnaire | 10/28/2024 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 222193064 |  |  |  | 31990269 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Added following review of trailing documents. Per Investor, Leasehold properties are ineligible for purchase. | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-10): Waive per client email [REDACTED]<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): See attached attestation<br>Reviewer Comment (2024-11-20): Buyer to review<br>Buyer Comment (2024-11-18): Comment from [REDACTED] ([REDACTED]): Please review - does this not meet FNMA reqs?<br>Eligible Properties Include: Leasehold estate (must meet Fannie<br> Mae criteria) p24 (REDACTED) |  |  | 01/10/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 222201186 |  |  |  | 31880559 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-10-15): Received in trailing documents.<br>Seller Comment (2024-10-15): Comment from [REDACTED] ([REDACTED]): title supplement | 10/15/2024 |  |  | 1 B A |  | CA | Investment | Purchase | B A | N/A | N/A | No |
| 222203815 |  |  |  | 31877822 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | File is missing Background Check. |  |  |  | Reviewer Comment (2024-06-13): received<br>Buyer Comment (2024-05-29): Ran background report, no results found (borrower is a foreign national and this is common) | 06/13/2024 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 222203815 |  |  |  | 31877824 |  | 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 ___. | Maximum LTV allowed for foreign nationals is 65%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2024-07-22): Waived per client request.<br>Buyer Comment (2024-07-16): Confirmed.<br>Reviewer Comment (2024-07-16): Please confirm client is asking to waive this condition<br>Buyer Comment (2024-07-10): This loan is part of a special pool approved for purchase by [REDACTED]. We are comfortable with the LTV. |  |  | 07/22/2024 | 2 C B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 222203815 |  |  |  | 31877825 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Fully executed deed from transaction or final title is required to validate vesting. |  |  |  | Reviewer Comment (2024-06-13): Received in trailing docs<br>Buyer Comment (2024-05-29): Deed attached | 06/13/2024 |  |  | 1 D A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 222203815 |  |  |  | 31896731 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024. | SitusAMC,Aggregator |  |  |  | 10/17/2024 | 2 B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 222208556 |  |  |  | 31899490 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024 | SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-10-22): PDI shows no damage prior to end date, waive per client email [REDACTED]<br>Reviewer Comment (2024-10-17): Received PDI in trailing documents reflecting no damage to the subject property on [REDACTED]. FEMA Disaster for Milton with a Declaration Date of [REDACTED] does not yet have a declared End Date. Moved to buyer queue for waiver and downgrade consideration as exception cannot be cleared without End Date.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): PDI |  |  | 10/22/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222208566 |  |  |  | 31890427 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-11-01): Received Articles of Organization, exception cleared.<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): The State of PA has provided the Certificate of Organization. This is one in the same as Articles of Organizatio They indicated this is to be used for the Articles of Organization. Please accept. Thank you.<br>Reviewer Comment (2024-10-18): Received UW Cert. Per guidelines: LLC Articles of Organization are required. Credit exception approval or Articles not received.<br>Seller Comment (2024-10-17): Comment from [REDACTED] ([REDACTED]): Please find attached underwriter certification regarding using the Operating Agreement in lieu of the Articles of Organization. Thank you. | 11/01/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222208566 |  |  |  | 31890439 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2024-10-16): Received in trailing documents.<br>Seller Comment (2024-10-16): Comment from [REDACTED] ([REDACTED]): Please see Fraudguard and cleared variances. Thank you. | 10/16/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222230418 |  |  |  | 31941091 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-11-01): Received Articles of Organization, exception cleared.<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): Articles of Org. | 11/01/2024 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31941092 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-11-01): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): Biz Good Standing | 11/01/2024 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31941094 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2024-11-01): Received Operating Agreement, exception cleared.<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): Corp Resolution | 11/01/2024 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31941095 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-11-01): Received Operating Agreement, exception cleared.<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): Agreement | 11/01/2024 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31941124 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | 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 [REDACTED]<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.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-11-02): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [REDACTED]<br>Seller Comment (2024-10-31): Comment from [REDACTED] ([REDACTED]): fema |  |  | 11/02/2024 | 2 C B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31941191 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222230418 |  |  |  | 31944784 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require >50% occupancy rate on STR with AirDNA. Approved Lender exception in loan allowing a 45% occupancy rate. | 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 [REDACTED]<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. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-21): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 10/21/2024 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 222270447 |  |  |  | 32023358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-11-04): Received Articles of Organization, Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): Articles of formation | 11/04/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32023359 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-11-04): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): Good standing | 11/04/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32023360 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2024-11-04): Received Corporate Resolution, Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 11/04/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32023361 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2024-11-04): Received Employer Identification Number (EIN), Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): EIN | 11/04/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32023362 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-11-04): Received Operating Agreement, Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): Operating Agreement | 11/04/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32025200 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing guarantor agreement |  |  |  | Reviewer Comment (2024-11-04): Received Guarantor Agreement, Exception cleared.<br>Seller Comment (2024-11-04): Comment from [REDACTED] ([REDACTED]): Guaranty | 11/04/2024 |  |  | 1 D A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32025583 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Review required - Subject is rural property on a private road, does not appear to contain a private road agreement, loan meets guidelines. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-14): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 11/14/2024 | 2 C B |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222270447 |  |  |  | 32025799 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Commitment title shows proposed vesting as 2 individuals while Mortgage and Deed show LLC |  |  |  | Reviewer Comment (2024-11-14): Received updated Commitment in trailing documents.<br>Seller Comment (2024-11-14): Comment from [REDACTED] ([REDACTED]): Commitment with vesting in LLC | 11/14/2024 |  |  | 1 C A |  | MI | Investment | Purchase | D B A |  | N/A | No |
| 222300358 |  |  |  | 32034769 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Total funds to close total [REDACTED], which includes fees paid outside of closing of [REDACTED] + earnest money of [REDACTED] and settlement costs of [REDACTED]. Funds used and provided total [REDACTED], which is account [REDACTED] totaling [REDACTED], earnest money of [REDACTED]= [REDACTED] PITIA [REDACTED] X 6 = 16,708.08. The difference is [REDACTED] |  |  |  | Reviewer Comment (2024-10-16): Added appraisal fee into the assets as a POC<br>Buyer Comment (2024-10-11): When looking at the Appraisal invoice it states to being paid by [REDACTED] on [REDACTED] for $[REDACTED] <br> Then the electronic payment showing on [REDACTED] statement on [REDACTED]- Borrower paid [REDACTED] [REDACTED] [Assuming $[REDACTED] Zelle fee] (page 2)<br> Dates match and figures match within $[REDACTED] so this would not be in addition to the funds required/verified and should have sufficient funds. <br> \*Please see below - Bank statement Zelle Pmt on [REDACTED] to [REDACTED] and Appraisal invoice for same day and pmt from [REDACTED]<br>Reviewer Comment (2024-10-11): The appraisal fee of $[REDACTED] was not listed on the bank statement as sourced of being paid.<br>Buyer Comment (2024-10-11): EMD & Appraisal fee of $[REDACTED] (POC) already cleared/deducted in the bank statement provided. We have enough reserve. | 10/16/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 222300358 |  |  |  | 32034770 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | For account # [REDACTED], missing additional month bank statement. 8-17-24 to 9-18-24 provided. |  |  |  | Reviewer Comment (2024-10-08): Matrix reflects 1 month statement, which is a higher tier than the guides<br>Buyer Comment (2024-10-08): See NONi Matrix [REDACTED]- Only requires30 days bank statement. Please delete condition. | 10/08/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 222300359 |  |  |  | 32034772 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The DSCR calculation is [REDACTED], and the tape reflects the DSCR of [REDACTED]. The difference is due to the taxes. The tax certificate in file is for the land only. Missing the taxes for both land and REO. |  |  |  | Reviewer Comment (2024-10-18): Used 1.5% of the value, per seller comment.<br>Buyer Comment (2024-10-17): This is a new build so we completed the tax calculation based off of 1.5% and the appraised value. At the time of funding title confirmed the following: \*\*If you use the appraised value to estimate taxes, they come to about [REDACTED], but they won't be that much until 2025 taxes which will not be due until the end of next year. So if you collect that much in escrow now, they'll have an overage after the 2024 taxes are paid. taxes are paid to current, but the 2024 bill will be out at the end of the month. We can't pay them until they are due which they are not yet. \*\* We do not have an actual final assessed tax cert as it is not yet available. | 10/18/2024 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222302836 |  |  |  | 32046960 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents.<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): Please see attached documents | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32046962 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2024-11-27): Title commitment received, Exception Cleared<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): Title Attached | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047049 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-02-28): Received CDA, exception cleared.<br>Seller Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): CDA<br>Reviewer Comment (2025-02-11): Received additional copy of origination appraisal. Secondary valuation not provided.<br>Seller Comment (2025-02-11): Comment from [REDACTED] ([REDACTED]): See attached appraisal | 02/28/2025 |  |  | 1 D A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047096 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2024-11-27): Hazard Insurance with rent loss (Additional Living Expense) received, Exception Cleared<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): Insurance binder attached | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047120 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-11-27): Confirmed non-warrantable.<br>Buyer Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): Condo is not warrantable | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047122 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2024-11-27): Received updated prelim in trailing.<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): title attached | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047215 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  |  |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents. | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047232 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Unable to calculate DSCR. |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents. | 11/27/2024 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32047233 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-03-11): Received additional bank statements<br>Seller Comment (2025-03-06): Comment from [REDACTED] ([REDACTED]): please see attached with breakdown<br>Account [REDACTED] had $[REDACTED]<br>Account [REDACTED] has $[REDACTED]<br>Account # [REDACTED]- has $[REDACTED]K<br>Reviewer Comment (2025-02-12): Account [REDACTED] has a balance of $[REDACTED] on [REDACTED] (Doc ID 0117). Additional assets not provided.<br>Seller Comment (2025-02-11): Comment from [REDACTED] ([REDACTED]): This is an error. The account you are referring to is [REDACTED]. . I updated you with a separate account that have over [REDACTED] in it. Ending See attached. We have plenty of reserves<br>Reviewer Comment (2025-02-02): Bank statement provided is dated [REDACTED] which is post closing, provide documents prior to closing<br>Seller Comment (2025-01-29): Comment from [REDACTED] ([REDACTED]: reserves<br>Reviewer Comment (2025-01-28): Bank statement provided is dated [REDACTED] which is post closing, provide documents prior to closing<br>Seller Comment (2025-01-24): Comment from [REDACTED] ([REDACTED]): see additional bank statements for borrower<br>Reviewer Comment (2025-01-16): Account [REDACTED]= $[REDACTED]<br> Cash to close (includes EMD credited as asset) = $[REDACTED]<br> Amount available for reserves = $[REDACTED]<br>Buyer Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Please give breakdown of reserves on the file. | 03/11/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32056652 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received in trailing documents.<br>Seller Comment (2025-03-24): Comment from [REDACTED] ([REDACTED]): Approval<br>Reviewer Comment (2025-03-11): Received 1008. Loan Approval document with loan details, program and document type required. For a securitization review, this is a required scope document.<br>Seller Comment (2025-03-06): Comment from [REDACTED] ([REDACTED]): 1008<br>Reviewer Comment (2025-02-24): Approval document with loan details, program and document type required. For a securitization review, this is a required scope document.<br>Seller Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): If this will not be accepted, please advise what you are looking for<br>Reviewer Comment (2025-02-11): Approval document not received.<br>Seller Comment (2025-02-11): Comment from [REDACTED] ([REDACTED]): See attached appraisal<br>Reviewer Comment (2024-11-27): Approval document not received.<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): approval attached | 03/24/2025 |  |  | 1 C A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 32814013 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of ___ does not match Calculated P&I of ___ |  | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-21): Received LOE, okay to waive per client email [REDACTED]<br>Reviewer Comment (2025-04-15): Received Destroyed Note Affidavit, Doc ID 0298. Moved to buyer queue for approval.<br>Seller Comment (2025-04-14): Comment from [REDACTED] ([REDACTED]): Destroyed Note affidavit<br>Reviewer Comment (2025-04-14): Received corrected signed note and LOE, correction to interest calculation. Buyer to review for acceptance<br>Seller Comment (2025-04-11): Comment from [REDACTED] ([REDACTED]): corrected Note and LOX<br>Reviewer Comment (2025-03-24): Defer to [REDACTED] for review<br>Seller Comment (2025-03-13): Comment from [REDACTED] ([REDACTED]): Team,<br>Please review and confirm acceptable for us to have signed by borrower. thank you |  |  | 04/21/2025 | 2 B |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222302836 |  |  |  | 33015963 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only one month of statement provided, guidelines require 2 months of statements only [REDACTED] was provided |  |  |  | Reviewer Comment (2025-03-24): Received in trailing documents.<br>Seller Comment (2025-03-24): Comment from [REDACTED] ([REDACTED]): Bank Statement<br>Reviewer Comment (2025-03-13): Received additional copy of statement dated [REDACTED] for account [REDACTED]. Missing 2nd statement required per guidelines.<br>Seller Comment (2025-03-13): Comment from [REDACTED] ([REDACTED]): assets needed | 03/24/2025 |  |  | 1 A |  | MO | Investment | Purchase | D B C A |  | N/A | No |
| 222313494 |  |  |  | 32061947 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-11-12): Received in trailing documents.<br>Seller Comment (2024-11-12): Comment from [REDACTED] ([REDACTED]): Articles of Organization/Formation | 11/12/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32061948 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-11-12): Received in trailing documents.<br>Seller Comment (2024-11-12): Comment from [REDACTED] ([REDACTED]): Good standing | 11/12/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32061949 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2024-11-12): Received in trailing documents.<br>Seller Comment (2024-11-12): Comment from [REDACTED] ([REDACTED]): LLC docs | 11/12/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32061950 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-11-12): Received in trailing documents.<br>Seller Comment (2024-11-12): Comment from [REDACTED] ([REDACTED]): Operating agreement | 11/12/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32061952 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-11-19): Received AirDNA Report.<br>Seller Comment (2024-11-15): Comment from [REDACTED] ([REDACTED]): AirDNA used for STR income calculation | 11/19/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32062018 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  |  |  |  |  | 2 B |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32086521 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing Guarantor Agreement. Note signed by two members of entity borrower. |  |  |  | Reviewer Comment (2024-11-12): Received in trailing documents.<br>Seller Comment (2024-11-12): Comment from [REDACTED] ([REDACTED]): Guaranty | 11/12/2024 |  |  | 1 D A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222313494 |  |  |  | 32086638 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Missing AirDNA report used per approval and UW worksheet. |  |  |  | Reviewer Comment (2024-11-15): Received in trailing documents.<br>Seller Comment (2024-11-15): Comment from [REDACTED] ([REDACTED]): AirDNA | 11/15/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D B A |  | N/A | No |
| 222328714 |  |  |  | 32084958 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2024-11-19): Received Driver's License, exception cleared.<br>Seller Comment (2024-11-18): Uploaded [REDACTED] DL | 11/19/2024 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222328714 |  |  |  | 32151203 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | - Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-15): Moved to [REDACTED] for waiver consideration of EV2. |  |  | 10/24/2025 | 2 A B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222363081 |  |  |  | 32151089 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024 | SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-11-19): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [REDACTED] |  |  | 11/19/2024 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222363081 |  |  |  | 32151098 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2024-11-21): Received in trailing documents.<br>Seller Comment (2024-11-20): Comment from [REDACTED] ([REDACTED]): Assets Documentation | 11/21/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222414021 |  |  |  | 32232756 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-borrower currently lives rent free and does not meet housing history for DSCR loan. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-21): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 11/21/2024 | 2 B |  | AZ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 222414152 |  |  |  | 32184049 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-11-29): Received in trailing documents.<br>Seller Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): Revised HOI<br>Reviewer Comment (2024-11-25): Mortgagee Clause for [REDACTED]does not include ISAOA required per investor.<br>Buyer Comment (2024-11-22): Comment from [REDACTED] ([REDACTED]): Planet Home is our servicer | 11/29/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 222414152 |  |  |  | 32233029 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | Per guidelines: [REDACTED] not allowed on STR program. Seller exception approval provided. Missing Buyer/investor credit exception approval. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-05): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 12/05/2024 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 222414152 |  |  |  | 32233034 |  | 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 ___. | A [REDACTED] Investor does not meet the Experienced Investor requirements and are allowed with the following restrictions: Max LTV/CLTV Purchase, Rate/Term: reduce max allowed LTV by 5%. Seller exception approval provided. Missing Buyer/investor credit exception approval. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-05): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 12/05/2024 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 222423754 |  |  |  | 32250083 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing UW income worksheet with breakdown of income being used for qualifying. File submission includes both STR and LTR documentation. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-01-06): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2024-11-27): Moved to buyer queue. Exception approval for alternative STR documentation received by seller. Missing buyer/investor approval.<br>Seller Comment (2024-11-26): Comment from [REDACTED] ([REDACTED]): UW DSCR Calc and supporting docs |  |  | 01/06/2025 | 2 C B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222423754 |  |  |  | 32250561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seller Exception Approval provided in file submission (Doc ID 0531). Exception request does not state what alternative documentation is being requested for approval. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-01-03): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2024-11-27): Moved to buyer queue. Exception approval for alternative STR documentation received by seller. Missing buyer/investor approval.<br>Seller Comment (2024-11-26): Comment from [REDACTED] ([REDACTED]): Exception with comp factors |  |  | 01/03/2025 | 2 C B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 222454752 |  |  |  | 32247151 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-17): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2024-11-27): Received post-closing Business Purpose Certificate. Moved to buyer/investor queue. At the time of loan closing, a Business Purpose attestation was not provided which is required for omitting compliance testing.<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): See attached |  |  | 12/17/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222454752 |  |  |  | 32247163 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | Reviewer Comment (2024-11-26): Received in trailing documents.<br>Seller Comment (2024-11-26): Comment from [REDACTED] ([REDACTED]): Cash Out letter | 11/26/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222454752 |  |  |  | 32254198 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-11-26): Received in trailing documents.<br>Seller Comment (2024-11-26): Comment from [REDACTED] ([REDACTED]): See attached | 11/26/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222454752 |  |  |  | 32254219 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Complete 1008 and/or approval confirming income type being used for qualifying, along with UW income worksheet. File submission includes both STR and LTR documentation. |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents.<br>Seller Comment (2024-11-27): Comment from [REDACTED] ([REDACTED]): See attached<br>Reviewer Comment (2024-11-26): 1008 calculation and/or UW income worksheet not provided.<br>Seller Comment (2024-11-26): Comment from [REDACTED] ([REDACTED]): This is a DSCR loan with was a short term / Airbnb rental. See attached | 11/27/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222456644 |  |  |  | 32252751 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Articles of Organization, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Articles/Formation | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32252752 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Good standing | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32252754 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received LLC document, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): LLC docs | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32252755 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received EIN document, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): EIN | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32252756 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Note Addendum - Prepayment, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Prepayment note addendum | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | Yes |
| 222456644 |  |  |  | 32252758 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Operating Agreement, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Operating Agreement | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32252760 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Airbnb document, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Airbnb | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32266213 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Guarantor Agreement, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Guaranty | 12/03/2024 |  |  | 1 D A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32266320 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines: The subject property cannot have any STR restrictions from the HOA, County, or City. Missing documentation reflecting STR is allowed. |  |  |  | Reviewer Comment (2024-12-23): Received in trailing documents.<br>Seller Comment (2024-12-20): Comment from [REDACTED] ([REDACTED]): Airbnb listing<br>Reviewer Comment (2024-12-06): Document provided confirms a permit is required. Please provide copy of permit for subject property.<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): STR allowed in Sevier County<br>Reviewer Comment (2024-12-04): Received entity documents. Missing documentation reflecting STR is allowed. Per guidelines: The subject property cannot have any STR restrictions from the HOA, County, or City.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): STR | 12/23/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456644 |  |  |  | 32266324 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines: Most recent 12-month income statement from owner's third-party management company or online market place required. |  |  |  | Reviewer Comment (2024-12-03): Received Airbnb document, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Airbnb earnings | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222456700 |  |  |  | 32251509 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2024-12-04): Not required on purchase.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Airdna | 12/04/2024 |  |  | 1 C A |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 222456700 |  |  |  | 32252956 |  | 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 ___. |  | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-26): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 11/26/2024 | 2 B |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 222456700 |  |  |  | 32252957 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-26): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 11/26/2024 | 2 B |  | MA | Investment | Purchase | C B A |  | N/A | No |
| 222457012 |  |  |  | 32255692 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing evidence of borrower child support receipt. |  |  |  | Reviewer Comment (2024-11-29): Not applicable.<br>Buyer Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): I'm not seeing that the borrower is using any child support income at all nor is he paying it. Can you let us know where this is coming from. | 11/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 222457012 |  |  |  | 32255847 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2024-12-09): Confirmed Endorsements (Doc ID 0706).<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): Per the title email uploaded, the Title Policy includes the Texas T-42 endorsement | 12/09/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No |
| 222457012 |  |  |  | 32255849 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  |  |  | Reviewer Comment (2024-11-29): Received in trailing documents.<br>Seller Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): Affidavit to receipt to docs and place of signing and compliance with Texas Constitution Section 50(a)(6) Compliance | 11/29/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| 222457012 |  |  |  | 32255850 |  | 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. | The only Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  | Reviewer Comment (2024-12-02): [REDACTED] received [REDACTED] CD 3 business days prior to consummation.<br>Seller Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): Initial CD | 12/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 222457012 |  |  |  | 32255884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [REDACTED] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [REDACTED] are underdisclosed. | The final CD dated [REDACTED] non-escrowed property cost is blank on page 4. |  |  |  | Reviewer Comment (2024-12-10): [REDACTED] received corrected PCCD and LOE<br>Seller Comment (2024-12-09): Comment from [REDACTED] ([REDACTED]): PCCD and LOX<br>Reviewer Comment (2024-12-05): [REDACTED] received rebuttal. However, 1004 shows HOA of [REDACTED]/year. The acceptable amounts are 10,11, or 12 months. The allowable tolerance for the escrow account fields is $1 for under disclosure and no penalty for over disclosure however the amount cannot exceed 12 months of calculated costs or less than 9 months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): There is no other property cost besides the hazard insurance and tax which was escrowed so can you clarify what you want to be provided in the non-escrowed property cost Year 1 on the final CD. Please waive |  | 12/10/2024 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 222457012 |  |  |  | 32258551 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2024-11-29): Received in trailing documents.<br>Seller Comment (2024-11-29): Comment from [REDACTED] ([REDACTED]): Proof of Receipt of itemized disclosure of fees, points, costs and charges | 11/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| 222461652 |  |  |  | 32259704 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Articles of Organization, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Articles | 12/03/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259705 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-12-03): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Good standing | 12/03/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259708 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule 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 qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR is X.XX | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-12-19): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Reviewer Comment (2024-12-13): Moved to buyer/investor queue for approval. File does not contain a 1007, AirDNA Report or 12 month history of STR income. Loan is qualifying on 5 months history, annualized.<br>Seller Comment (2024-12-13): Comment from [REDACTED] ([REDACTED]): Exception issued from investor due to lack of 12 month history of receipt on subject property. Using (REDACTED) through (REDACTED) actual receipt divided by 12 to calculate rents to use for DSCR. Breakdown attached with Airbnb statements<br>Reviewer Comment (2024-12-11): File does not contain any of the following three methods for calculating income on STR purchase. AirDNA not provided, 1007 with appraiser calculation not provided and a 12 month history has also not been provided.<br>Seller Comment (2024-12-10): Comment from [REDACTED] ([REDACTED]): 1007 not required for refinance short term rental calc<br>Reviewer Comment (2024-12-06): Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. 1007 not provided and Exception Approval does not include missing 1007.<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): Using actual rent for STR / exception to use less than 12 months |  |  | 12/19/2024 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259754 |  | 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 |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259762 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259779 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR is X.XX | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-12-06): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): Using actual rent for STR / exception to use less than 12 months |  |  | 12/06/2024 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32259790 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing AirDNA Report referenced in Loan Approval, XXXX and Guideline Exception Approval. Unable to calculate DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR is X.XX | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-12-06): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): Using actual rent for STR / exception to use less than 12 months |  |  | 12/06/2024 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32276251 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | STR income not allowed per guidelines on refinance with less than XX months history. Missing [REDACTED] Report referenced in Loan Approval, XXXX and Guideline Exception Approval. Unable to apply exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR is X.XX | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-12-06): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Exception issued from investor due to lack of 12 month history of receipt on subject property. Using May through October actual receipt divided by 12 to calculate rents to use for DSCR. Breakdown attached with Airbnb statements |  |  | 12/06/2024 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32276254 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Missing [REDACTED] Report referenced in Loan Approval, XXXX and Guideline Exception Approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR is X.XX | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-12-06): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2024-12-03): Comment from [REDACTED] ([REDACTED]): Actual Airbnb statement used for STR income calc |  |  | 10/24/2025 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222461652 |  |  |  | 32276261 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  | Per guidelines: The subject property cannot have any STR restrictions from the HOA, County, or City. Missing verification STR allowed for subject property. |  |  |  | Reviewer Comment (2024-12-20): Received in trailing documents.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): AirBNB listing<br>Reviewer Comment (2024-12-06): Verifying documentation not provided.<br>Seller Comment (2024-12-05): Comment from [REDACTED] ([REDACTED]): STRs allowed in county | 12/20/2024 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222467099 |  |  |  | 32277140 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222467099 |  |  |  | 32282833 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy amount not provided. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467099 |  |  |  | 32288377 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467099 |  |  |  | 32631592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-10-29): Received PDI, no open validation | 10/29/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222467107 |  |  |  | 32280331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.69944% is equal to or greater than the threshold of 9.08000%. |  |  |  |  | Reviewer Comment (2024-12-02): Loan Designation restated. Compliance testing updated. | 12/02/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32280332 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.98096% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or 1.98096%). |  |  |  |  | Reviewer Comment (2024-12-02): Loan Designation restated. Compliance testing updated. | 12/02/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32280336 |  | 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. | Loan designation not meet the Safe Harbor QM requirements due to the loan failed QM Points and Fees, QM Threshold, and DTI requirements. |  |  |  | Reviewer Comment (2024-12-02): Loan Designation restated. Compliance testing updated. | 12/02/2024 |  |  | 1 B A C |  | NE | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222467107 |  |  |  | 32290103 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The guidelines require the 0x30x12 housing payment history, which was not provided in the file. |  |  |  | Reviewer Comment (2024-12-09): Received in file submission.<br>Seller Comment (2024-12-09): Comment from [REDACTED] ([REDACTED]): UW LOE | 12/09/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32290150 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The guidelines allow for a maximum DTI of 45% on loans with an LTV greater than 85%. The loan closed with an LTV of 90% and DTI of 45.36%. |  |  |  | Reviewer Comment (2024-12-09): Credited back certain unsourced deposits allowed per guidelines. Compliance testing updated.<br>Seller Comment (2024-12-09): Comment from [REDACTED] ([REDACTED]): UW LOE | 12/09/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32290155 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The guidelines allow for a maximum DTI of 45% on loans with an LTV greater than 85%. The loan closed with an LTV of 90% and DTI of 45.36%. |  |  |  | Reviewer Comment (2024-12-09): Credited back certain unsourced deposits allowed per guidelines. Compliance testing updated.<br>Seller Comment (2024-12-09): Comment from [REDACTED] ([REDACTED]): UW LOE | 12/09/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32290156 |  | 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 45.36318% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The guidelines allow for a maximum DTI of 45% on loans with an LTV greater than 85%. The loan closed with an LTV of 90% and DTI of 45.36%. |  |  |  | Reviewer Comment (2024-12-09): Credited back certain unsourced deposits allowed per guidelines. Compliance testing updated.<br>Seller Comment (2024-12-09): Comment from [REDACTED] ([REDACTED]): UW LOE | 12/09/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467107 |  |  |  | 32291143 |  | 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 4.98096% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.98096%). |  |  |  |  | Reviewer Comment (2024-12-02): Client elects to waive. |  |  | 12/02/2024 | 2 B |  | NE | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222467107 |  |  |  | 32291144 |  | 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. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2024-12-09): Credited back certain unsourced deposits allowed per guidelines. Compliance testing updated. | 12/09/2024 |  |  | 1 A |  | NE | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222467107 |  |  |  | 32339888 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Credited back certain unsourced deposits allowed per guidelines. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | NE | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222467147 |  |  |  | 32279565 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-12-27): Confirmed non-warrantable. | 12/27/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222467147 |  |  |  | 32282790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval in file for 61% investor concentration. Buyer/Investor approval required. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-27): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 12/27/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222467147 |  |  |  | 32282798 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval in file for 27% of units in HOA are >60 days past due. Buyer/Investor approval required. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-27): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 12/27/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222500892 |  |  |  | 32298275 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-12-16): Received in trailing documents. Updated guidelines allow for 40% occupancy rate on Vacation Rentals.<br>Buyer Comment (2024-12-16): Comment from [REDACTED] ([REDACTED]): Please revisit this condition. The guidelines that were in effect as of the Note date reflect an occupancy rate > 40% when using AirDNA reports . Please see guidelines dated [REDACTED] in DocAcuity. Thank you!<br>Reviewer Comment (2024-12-13): Guidelines provided for review dated [REDACTED] state >50% occupancy required.<br>Seller Comment (2024-12-12): Comment from [REDACTED] ([REDACTED]): Seller guide state occupancy rate > 40%<br>Reviewer Comment (2024-12-11): AirDNA Report provided does not meet guideline requirement for >50% occupancy. Report reflects 40% occupancy rate.<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): AirDNA was used to calculate STR rental income | 12/16/2024 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| 222500892 |  |  |  | 32311340 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The Note reflects there is a Prepay Addendum; however, the file is missing the Addendum. |  |  |  | Reviewer Comment (2024-12-11): Received in trailing documents.<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): Note addendum | 12/11/2024 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | Yes |
| 222500892 |  |  |  | 32311532 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Per the Qualifying Worksheet AirDNA was used to qualify the loan with income of [REDACTED]per month ([REDACTED] yearly with 80% of income used); however, the AirDNA is missing from the file. |  |  |  | Reviewer Comment (2024-12-16): Received in trailing documents. Updated guidelines allow for 40% occupancy rate on Vacation Rentals.<br>Buyer Comment (2024-12-16): Comment from [REDACTED] ([REDACTED]): Please revisit this condition. The guidelines that were in effect as of the Note date reflect an occupancy rate > 40% when using AirDNA reports . Please see guidelines dated 11/7/24 in DocAcuity. Thank you!<br>Reviewer Comment (2024-12-13): Guidelines provided for review dated [REDACTED] state >50% occupancy required.<br>Seller Comment (2024-12-12): Comment from [REDACTED] ([REDACTED]): Seller guide state occupancy rate > 40%<br>Reviewer Comment (2024-12-11): AirDNA Report provided does not meet guideline requirement for >50% occupancy. Report reflects 40% occupancy rate.<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): AirDNA report | 12/16/2024 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| 222524076 |  |  |  | 32342115 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2024-12-11): EV2, informational. Nothing additional required.<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): Field review - (REDACTED). Value used. |  |  | 10/24/2025 | 2 A B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 222524076 |  |  |  | 32344025 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Sequoia DSCR >= X.XX < X.XXLTV Purchase Max LTV XX% |  |  |  | Reviewer Comment (2024-12-18): Received UW explanation and supporting documents in trailing. Testing updated.<br>Seller Comment (2024-12-18): Comment from [REDACTED] ([REDACTED]): UW LOE<br>Reviewer Comment (2024-12-11): Changed rental type to Short-term vacation rental. [REDACTED] ([REDACTED] per each unit) income = [REDACTED] per month less 20% = [REDACTED] in calculated income. PITIA = [REDACTED]. DSCR = .XX. Calculated loan to value percentage of XX.00000% exceeds Guideline loan to value percentage of XX.00000%.<br> Sequoia DSCR >= (REDACTED) < XXX LTV Purchase Max LTV XX<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): DSCR Calc and AirDNA supporting docs. | 12/18/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 222524076 |  |  |  | 32344026 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Sequoia DSCR >= X.XX < X.XXLTV Purchase Max LTV XX% |  |  |  | Reviewer Comment (2024-12-18): Received UW explanation and supporting documents in trailing. Testing updated.<br>Seller Comment (2024-12-18): Comment from [REDACTED] ([REDACTED]): UW LOE<br>Reviewer Comment (2024-12-11): Changed rental type to Short-term vacation rental. [REDACTED] ([REDACTED] per each unit) income = [REDACTED] per month less 20% = [REDACTED] in calculated income. PITIA = [REDACTED]. DSCR = .XX. Calculated loan to value percentage of XX.00000% exceeds Guideline loan to value percentage of XX.00000%.<br> Sequoia DSCR >= (REDACTED) < XXX LTV Purchase Max LTV XX<br>Seller Comment (2024-12-11): Comment from [REDACTED] ([REDACTED]): DSCR Calc and AirDNA supporting docs. | 12/18/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 222533294 |  |  |  | 32365629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor consideration required - Fraud report indicates Borrower employer on OFAC watchlist, Workers [REDACTED] and Workers [REDACTED], this was cleared with commentary not the same - no other explanation provided |  |  |  | Reviewer Comment (2024-12-23): Received lender attestation and updated report.<br>Seller Comment (2024-12-20): XXX: Attestation from LO / updated data verify report | 12/23/2024 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 222550315 |  |  |  | 32369633 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Articles of Organization/Formation, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Articles | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369634 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2024-12-20): Comment from [REDACTED] ([REDACTED]): Good standing | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369635 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Corporate Resolution, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Employer Identification Number document, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): EIN | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369640 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Operating Agreement, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Operating agreement | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369641 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-12-23): vacation rental documentation received in trailing.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Used actual rents for STR income calc | 12/23/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369648 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369659 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  |  |  |  |  | Reviewer Comment (2025-01-09): Driver's License Received, Exception Cleared<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): ID | 01/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369671 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Missing AirDNA report referenced in Approval, 1008 |  |  |  | Reviewer Comment (2024-12-23): Received in trailing documents.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Rental income | 12/23/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369672 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2024-12-23): Received in trailing documents.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Vacation rental info | 12/23/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32369675 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2024-12-23): Received Guaranty Agreement, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Guaranty | 12/23/2024 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 222550315 |  |  |  | 32374286 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Note Addendum - Prepayment document, exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Note Addendum | 12/20/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | Yes |
| 222550483 |  |  |  | 32364319 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Vacation Rental income 1007 is not required, Exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): AirDNA was used for STR income calculation | 12/20/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222550483 |  |  |  | 32364320 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | Reviewer Comment (2024-12-20): Received Closing Instruction, Exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): Closing instructions | 12/20/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222550483 |  |  |  | 32414476 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is 591 square feet, guidelines required a minimum of 600 sq ft. All comps are similar which supports no negative impact on marketability. Lender exception in file. | 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 > 6 months above program minimum<br>FICO > 20 points above program minimum | Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2024-12-14): Exception approval provided, meets buyers waiver policy. |  |  | 12/14/2024 | 2 B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222550483 |  |  |  | 32419580 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing AirDNA Report used for qualifying, referenced in UW Worksheet. |  |  |  | Reviewer Comment (2024-12-20): Received Vacation Rental income, Exception cleared.<br>Seller Comment (2024-12-19): Comment from [REDACTED] ([REDACTED]): AirDNA | 12/20/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 222607142 |  |  |  | 32429981 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2024-12-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2024-12-23): Comment from [REDACTED] ([REDACTED]): Cure was given on Final CD in the amount of $[REDACTED] | 12/24/2024 |  |  | 1 C A |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222607142 |  |  |  | 32439314 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222607142 |  |  |  | 32488833 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-26): Sufficient Cure Provided At Closing |  | 12/26/2024 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222621796 |  |  |  | 32474337 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on 1008 have not been provided for review. Loan was reviewed to 08/23/2024 guidelines. 1008 references guidelines dated [REDACTED]. Guideline updates must be provided to LRP directly for approval and upload to [REDACTED], do not load to exception. A new 1008 reflecting the loan was qualified under 08/23/2024 guidelines required. | 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 [REDACTED].<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-27): Guideline updates received post-review. Data updated. |  |  | 12/27/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222627400 |  |  |  | 32461585 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2024-12-27): Received Articles of Organization, Exception cleared.<br>Seller Comment (2024-12-27): Comment from [REDACTED] ([REDACTED]): Articles | 12/27/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222627400 |  |  |  | 32475066 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on 1008 have not been provided for review. Loan was reviewed to 08/23/2024 guidelines. 1008 references guidelines dated [REDACTED]. Guideline updates must be provided to LRP directly for approval and upload to [REDACTED], do not load to exception. A new 1008 reflecting the loan was qualified under 08/23/2024 guidelines required. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-27): Guideline updates received post-review. Data updated. |  |  | 12/27/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222627400 |  |  |  | 32475644 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Approval and or 1008 reflecting the subject property qualifying DSCR is based on Short-term rental income. |  |  |  | Reviewer Comment (2024-12-27): Received Approval, Exception cleared.<br>Seller Comment (2024-12-27): Comment from [REDACTED] ([REDACTED]): approval and 1008 | 12/27/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222631819 |  |  |  | 32462173 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The latest dates appraisal inspection date is [REDACTED]. There was a FEMA disaster dated [REDACTED]. Need a post-disaster inspection form indicating no damage to the subject property, and must be dated after the disaster declaration. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/14/2024. | SitusAMC | Reviewer Comment (2024-11-15): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [REDACTED].<br>Buyer Comment (2024-11-12): PDI dated [REDACTED] is provided in original loan file submission. Please waive. |  |  | 11/15/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222631819 |  |  |  | 32462174 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Missing warrantable/non-warrantable confirmation |  |  |  | Reviewer Comment (2024-12-10): Budget and balance sheet provided.<br>Buyer Comment (2024-12-09): Please provide status on this condition<br>Buyer Comment (2024-12-05): "Assigned to" updated to seller, however comment does not specify anything further is needed. Please confirm and advise if anything additional is needed to clear this condition.<br>Reviewer Comment (2024-12-05): Budget and balance sheet provided.<br>Buyer Comment (2024-12-02): Uploaded all required docs<br>Reviewer Comment (2024-11-27): per guidelines, yes non-warrantable condos are allowed. Per guidelines for required documents for this condo type - <br> Review requirements, documents and limitations:<br> • Completed HOA certificate is required<br> • Copy of Master property insurance and flood if applicable<br> • Master liability insurance<br> • HOA budget<br> • Copy of current balance sheet<br> • For new construction CC&Rs and Bylaws<br> • Litigation docs if applicable<br> • Ground lease if applicable<br> Non-Warrantable Condo Allowable Characteristics<br>Buyer Comment (2024-11-25): Subject property is a condo hotel and considered non-warrantable condo due to it not meeting fnma condo guidelines. Please waive/clear.<br>Reviewer Comment (2024-11-22): HOA questionnaire provided. To confirm the HOA is warrantable, missing bylaws and CC&Rs. the CC&Rs require the "HOA control" verbiage since the developer still retains ownership.<br>Buyer Comment (2024-11-19): Condo approval uploaded<br>Reviewer Comment (2024-11-15): This exception pertains to the condo. Missing warrantable/non-warrantable confirmation.<br>Buyer Comment (2024-11-12): Warranty Deed uploaded<br>Buyer Comment (2024-11-12): Warranty Deed was provided in original loan submission package, see pages 139-141. Re-uploaded as well | 12/10/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222631819 |  |  |  | 32462175 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The assets provided are from account [REDACTED] for August with a balance of [REDACTED] and earnest money of $[REDACTED]. Total funds to close, including the earnest money; settlement costs; fees paid outside of closing, total [REDACTED]. |  |  |  | Reviewer Comment (2024-11-15): Exception cleared.<br>Buyer Comment (2024-11-12): Per our guidelines, when utilizing foreign assets, only most recent statement is required. Please waive | 11/15/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222631819 |  |  |  | 32462176 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The assets provided are from account [REDACTED] for August with a balance of [REDACTED] and earnest money of [REDACTED]. Total funds to close, including the earnest money; settlement costs; fees paid outside of closing, total [REDACTED] |  |  |  | Reviewer Comment (2024-11-15): Exception cleared.<br>Buyer Comment (2024-11-12): Borrower has $[REDACTED] USD in assets, please waive.<br>Buyer Comment (2024-11-12): Uploaded Foreign Bank statement and conversion showing $[REDACTED] USD in assets | 11/15/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222631819 |  |  |  | 32462177 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per guidelines for assets for purchase loans, 2 months is required. Only 1 month provided from [REDACTED] to [REDACTED]. |  |  |  | Reviewer Comment (2024-11-15): Exception cleared.<br>Buyer Comment (2024-11-12): Per our guidelines when utilizing foreign assets, 2 months is not required. Only most recent statement, please waive | 11/15/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222653920 |  |  |  | 32485501 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-01-02): Received Articles of Organization/Formation, exception cleared.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Articles | 01/02/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32485502 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-01-02): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Good standing | 01/02/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32485503 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-01-03): Operating Agreement is Single member entity which shows ownership of Guarantor, exception cleared.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Guaranty | 01/03/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32485504 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-01-02): Received Note Addendum - Prepayment document, exception cleared.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Prepayment addendum | 01/02/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | Yes |
| 222653920 |  |  |  | 32485505 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-02): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Operating agreement | 01/02/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32485507 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-01-03): Received in trailing documents.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): 12 months actual rents used to calculate STR income | 01/03/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32499807 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The note reflects the address as [REDACTED]; however, the insurance shows [REDACTED]. |  |  |  | Reviewer Comment (2025-01-16): Received in trailing documents.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): HOI | 01/16/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32499808 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The note reflects the address as [REDACTED]; however, the flood certificate shows [REDACTED] |  |  |  | Reviewer Comment (2025-01-16): Received in trailing documents.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Floodcert | 01/16/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32499809 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The note reflects the address as C[REDACTED]; however, the appraisal shows [REDACTED] |  |  |  | Reviewer Comment (2025-01-14): Corrected appraisal received in trailing.<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): Updated appraisal | 01/14/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222653920 |  |  |  | 32499811 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The note reflects the address as [REDACTED]; however, the desk review shows C[REDACTED] |  |  |  | Reviewer Comment (2025-01-15): Corrected CDA received in trailing documents.<br>Seller Comment (2025-01-15): Comment from [REDACTED] ([REDACTED]): CDA | 01/15/2025 |  |  | 1 C A |  | SD | Investment | Purchase | C A |  | N/A | No |
| 222662423 |  |  |  | 32504265 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Note addendum | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | Yes |
| 222662423 |  |  |  | 32504406 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Per the title, the property is located in a PUD; however, the security instrument does not have a PUD Rider. |  |  |  | Reviewer Comment (2025-03-18): Document Received, Exception Cleared<br>Seller Comment (2025-03-18): Comment from [REDACTED] ([REDACTED]): PUD rider | 03/18/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222662423 |  |  |  | 32504417 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | HOA Information must be Yes on a Condo or PUD. |  | Per the title, the property is located in a PUD; however, the appraisal does not reflect the PUD information. |  |  |  | Reviewer Comment (2025-01-22): Received revised appraisal in trailing.<br>Seller Comment (2025-01-22): Comment from [REDACTED] ([REDACTED]): Revised appraisal | 01/22/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222662423 |  |  |  | 32504434 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The title reflects the proposed insured as the borrower. The deed reflects the borrower plus a third party, XXXX. |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Updated commitment | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222662475 |  |  |  | 32505194 |  | 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. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-01-02): [REDACTED] received [REDACTED] CD 3 business days prior to consummation.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): ICD | 01/02/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 222662475 |  |  |  | 32505266 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as [REDACTED] on the Loan Estimate, but was disclosed as [REDACTED] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [REDACTED], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-01-02): [REDACTED] Received Valid COC along with LE.<br>Seller Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): LE and CiC | 01/02/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222662475 |  |  |  | 32512448 |  | 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. | QM Points and Fees exceed limit. |  |  |  | Reviewer Comment (2025-01-06): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-01-06): Comment from [REDACTED] ([REDACTED]): non-QM | 01/06/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222662475 |  |  |  | 32512449 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.65066% is equal to or greater than the threshold of 8.94000%. |  |  |  |  | Reviewer Comment (2025-01-06): Loan Designation restated. Compliance testing updated. | 01/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222662475 |  |  |  | 32512450 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.18959% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .18959%). |  |  |  |  | Reviewer Comment (2025-01-06): Loan Designation restated. Compliance testing updated. | 01/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222662475 |  |  |  | 32546596 |  | 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 [REDACTED]exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-02): Sufficient Cure Provided At Closing |  | 01/02/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222662475 |  |  |  | 32580125 |  | 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 3.18959% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .18959%). |  |  |  |  | Reviewer Comment (2025-01-06): Client elects to waive. |  |  | 01/06/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 222662475 |  |  |  | 32580126 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222662476 |  |  |  | 32504635 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Articles | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32504636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Good standing | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32504638 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents. Both members signed.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32504639 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): EIN | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32504640 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Operating agreement | 01/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32504649 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-07): Received in trailing documents.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Guaranty | 01/07/2025 |  |  | 1 D A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32529508 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. |  |  |  | Reviewer Comment (2025-01-31): Client accepts<br>Reviewer Comment (2025-01-07): Moved to buyer queue. Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. Third party documentation not provided. Buyer to confirm approval of MLS for STR determination.<br>Seller Comment (2025-01-07): Comment from [REDACTED] ([REDACTED]): Appraiser stated the annual rental info was obtained from the comparable rental MLS listings then divided by 12 to determined average gross monthly rent. | 01/31/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222662476 |  |  |  | 32530020 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-01-02): Confirmed DSCR of 1.00 allowed based on credit score for Purchase.<br>Buyer Comment (2025-01-02): Comment from [REDACTED] ([REDACTED]): Please revisit. [REDACTED] guidelines as of [REDACTED] in Doc Acuity allow a DSCR 1.0<1.1 for CS 720, LA up to $1 mill with LTV of 80% on investment purchase. In addition, per guidelines, the 1007 can be used to calculate the STR and increasing DSCR > 1.1. | 01/02/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222670659 |  |  |  | 32631470 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-01-26): Per email dated [REDACTED] waive with PDI showing no damage<br>Reviewer Comment (2025-01-14): Received PDI in trailing documents reflecting no damage to the subject property. FEMA Disaster for Wildfires and Straight-Line Winds Disaster with a Declaration Date of [REDACTED] does not yet have a declared End Date. Moved to buyer queue for waiver and downgrade consideration as exception cannot be cleared without End Date.<br>Seller Comment (2025-01-14): Comment from [REDACTED] ([REDACTED]): DAIR - No Damage |  |  | 01/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 222680331 |  |  |  | 32546189 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-01-13): Received supplement in trailing documents.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Supplemental updating the policy coverage | 01/13/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222680331 |  |  |  | 32546191 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-01-03): Credit exception approval provided allowing the use of in-place rents of $[REDACTED] instead of marker rent of $[REDACTED] resulting in a DSCR of [REDACTED]. |  |  | 01/03/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222680331 |  |  |  | 32631447 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-01-26): Per email dated [REDACTED] waive with PDI showing no damage<br>Reviewer Comment (2025-01-14): Received PDI in trailing documents reflecting no damage to the subject property. FEMA Disaster for Wildfires and Straight-Line Winds Disaster with a Declaration Date of [REDACTED] does not yet have a declared End Date. Moved to buyer queue for waiver and downgrade consideration as exception cannot be cleared without End Date.<br>Seller Comment (2025-01-14): Comment from [REDACTED] ([REDACTED]): DAIR- No Damage |  |  | 01/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222680450 |  |  |  | 32578769 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Short-term vacation rental - purchase: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. AirDNA Report not provided. |  |  |  | Reviewer Comment (2025-01-31): Client accepts.<br>Reviewer Comment (2025-01-17): Moved to buyer queue. Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. Third party documentation not provided. Buyer to confirm approval of MLS for STR determination.<br>Buyer Comment (2025-01-17): Comment from [REDACTED] ([REDACTED]): Please see XXXX (REDACTED). The 1007 lists the sources as (REDACTED) and (REDACTED)<br>Reviewer Comment (2025-01-10): Per guidelines: Appraiser must cite third party source and formula used to calculate STR income. 1007 provided does not list source.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Appraiser used actual rents from XXXXX and XXXXXX | 01/31/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222680458 |  |  |  | 32569646 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-01-06): Received Condo warranty Document, Exception cleared.<br>Seller Comment (2025-01-06): Comment from [REDACTED] ([REDACTED]): condo warranty | 01/06/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 222680458 |  |  |  | 32578334 |  | 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 ___. | [REDACTED]. LTV reduced by 5%. Seller exception approval in file, missing buyer credit exception approval. | 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 | Reviewer Comment (2025-01-08): per email [REDACTED] okay to waive and downgrade |  |  | 01/08/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 222695401 |  |  |  | 32591187 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Personal Guaranty is required for both members. |  |  |  | Reviewer Comment (2025-01-09): Received Guaranty Agreement, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Guaranty | 01/09/2025 |  |  | 1 D A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222695401 |  |  |  | 32597026 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Short-term vacation rental - purchase: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. AirDNA Report not provided. |  |  |  | Reviewer Comment (2025-01-31): Client accepts<br>Reviewer Comment (2025-01-17): Moved to buyer queue. Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. Third party documentation not provided. Buyer to confirm approval of MLS for STR determination.<br>Buyer Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): See 1007 (Doc ID 0365) for source and comments. Thank you! | 01/31/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 222695486 |  |  |  | 32588526 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Good standing | 01/09/2025 |  |  | 1 C A |  | KY | Investment | Purchase | D A |  | N/A | No |
| 222695486 |  |  |  | 32588527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 01/09/2025 |  |  | 1 C A |  | KY | Investment | Purchase | D A |  | N/A | No |
| 222695486 |  |  |  | 32588533 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received Note Addendum - Prepayment, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Note Addendum | 01/09/2025 |  |  | 1 C A |  | KY | Investment | Purchase | D A |  | N/A | Yes |
| 222695486 |  |  |  | 32588535 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Operating agreement | 01/09/2025 |  |  | 1 C A |  | KY | Investment | Purchase | D A |  | N/A | No |
| 222695486 |  |  |  | 32588553 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received Guaranty Agreement, exception cleared.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Guaranty | 01/09/2025 |  |  | 1 D A |  | KY | Investment | Purchase | D A |  | N/A | No |
| 222695486 |  |  |  | 32597972 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Short-term vacation rental - purchase: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. AirDNA Report not provided. |  |  |  | Reviewer Comment (2025-01-21): The subject property is short term vacation rental and require verification of AirDNA document hence, exception remains<br>Buyer Comment (2025-01-17): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0277. The 1007 lists the sources as AirBNB and VRBO<br>Reviewer Comment (2025-01-10): Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. 1007 provided does not list source.<br>Seller Comment (2025-01-09): Comment from [REDACTED] ([REDACTED]): Appraiser used actual nightly rent amounts from Airbnb/VRBO | 01/21/2025 |  |  | 1 C A |  | KY | Investment | Purchase | D A |  | N/A | No |
| 222696329 |  |  |  | 32579885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower'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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/28/2024 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-01-08): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [REDACTED] |  |  | 01/08/2025 | 2 B |  | NC | Investment | Purchase | B A |  | N/A | No |
| 222703959 |  |  |  | 32588412 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-01-10): Received AirDNA report in trailing<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): Airdna | 01/10/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222703959 |  |  |  | 32588436 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  |  |  |  |  | Reviewer Comment (2025-01-10): Received AirDNA report in trailing<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): Airdna | 01/10/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222703959 |  |  |  | 32599153 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Per 1008, loan is being qualified using AirDNA Report. Report not provided. |  |  |  | Reviewer Comment (2025-01-10): Received AirDNA report in trailing<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): Airdna | 01/10/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222703959 |  |  |  | 32599163 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Qualifying rental documentation not provided. |  |  |  | Reviewer Comment (2025-01-10): Received AirDNA report in trailing.<br>Seller Comment (2025-01-10): Comment from [REDACTED] ([REDACTED]): Airdna | 01/10/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222703963 |  |  |  | 32614378 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement Cost Estimate in file did not contain the subject property address. |  |  |  | Reviewer Comment (2025-01-22): Received RCE in trailing documents.<br>Seller Comment (2025-01-22): Comment from [REDACTED] ([REDACTED]): RCE | 01/22/2025 |  |  | 1 C A |  | ID | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222724925 |  |  |  | 32606819 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing signed Operating Agreement for borrowing entity. |  |  |  | Reviewer Comment (2024-12-16): Clear.<br>Buyer Comment (2024-12-11): Signed operating agreement attached | 12/16/2024 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 222724925 |  |  |  | 32606820 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of ___ does not match Calculated P&I of ___ | Original P&I of [REDACTED] does not match Calculated P&I of [REDACTED] | 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: 617.45<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: [REDACTED] | SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-16): Original P&I of $[REDACTED] does not match Calculated P&I of $[REDACTED].<br>Buyer Comment (2024-12-12): Given the delta is less than a dollar we are comfortable without an amendment here which is in keeping with our previous approach. Please waive |  |  | 12/16/2024 | 2 C B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 222726464 |  |  |  | 32638737 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Short-term vacation rental - purchase: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. AirDNA Report not provided. |  |  |  | Reviewer Comment (2025-01-15): Applied Market Rent per appraisal for this short-term rental property.<br>Buyer Comment (2025-01-15): Comment from [REDACTED] ([REDACTED]): Please see the 1007 and comments. Doc ID 0374. Thank you! | 01/15/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 222726464 |  |  |  | 32638831 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Primary Housing History. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-14): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 01/14/2025 | 2 B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 222726464 |  |  |  | 32638881 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing AirDNA report. |  |  |  | Reviewer Comment (2025-01-15): Applied Market Rent per appraisal for this short-term rental property.<br>Seller Comment (2025-01-15): Comment from [REDACTED] ([REDACTED]): 1007 used for rental income | 01/15/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 222726522 |  |  |  | 32638077 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-01-15): Received in trailing documents.<br>Seller Comment (2025-01-15): Comment from [REDACTED] ([REDACTED]): Attached is the document to remediate this finding. | 01/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 222726522 |  |  |  | 32638187 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-01-15): Received in trailing documents.<br>Seller Comment (2025-01-15): Comment from [REDACTED] ([REDACTED]): Attached is the Certificate of Good Standing to remediate this finding. | 01/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 222733979 |  |  |  | 32634082 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-01-17): AirDNA Report provided.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Airdna used for STR calc | 01/17/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222733979 |  |  |  | 32634083 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-16): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Operating agreement | 01/16/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222733979 |  |  |  | 32634084 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-01-16): Received Guaranty Agreement for [REDACTED], exception cleared.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Guaranty | 01/16/2025 |  |  | 1 D A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222733979 |  |  |  | 32634086 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-01-16): Received Corporate Resolution, exception cleared.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 01/16/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222733979 |  |  |  | 32634087 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-01-16): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): good standing | 01/16/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222733979 |  |  |  | 32634088 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-01-16): Received Articles of Organization/Formation, exception cleared.<br>Seller Comment (2025-01-16): Comment from [REDACTED] ([REDACTED]): Articles of Org | 01/16/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 222734013 |  |  |  | 32647038 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-01-23): Received Title Commitment, exception cleared.<br>Seller Comment (2025-01-22): Comment from [REDACTED] ([REDACTED]): Updated Title Work | 01/23/2025 |  |  | 1 B A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222734013 |  |  |  | 32647044 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-01-23): Received Approval, exception cleared.<br>Seller Comment (2025-01-22): Comment from [REDACTED] ([REDACTED]): approval | 01/23/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222734013 |  |  |  | 32647092 |  | 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 10.05117% or Final Disclosure APR of 10.05400% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 222735184 |  |  |  | 32643718 |  | 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 [REDACTED] 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. |  |  |  |  | Reviewer Comment (2025-01-24): [REDACTED] received evidence for initial LE via mail.<br>Seller Comment (2025-01-23): Comment from [REDACTED] ([REDACTED]): Initial Disclosures mailed to borrower | 01/24/2025 |  |  | 1 C A |  | TN | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222735184 |  |  |  | 32647623 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | TN | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222735184 |  |  |  | 32659875 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee information is missing from the policy in file for the subject property. |  |  |  | Reviewer Comment (2025-01-28): Received policy with mortgagee clause<br>Seller Comment (2025-01-24): Comment from [REDACTED] ([REDACTED]): Updated HOI | 01/28/2025 |  |  | 1 C A |  | TN | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222748978 |  |  |  | 32680218 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-01-28): Received final title | 01/28/2025 |  |  | 1 A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222748978 |  |  |  | 32698845 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Mortgage and Deed show Enchanted [REDACTED], while the title shows XXX and XXX, a married couple. |  |  |  | Reviewer Comment (2025-01-28): Received final title<br>Seller Comment (2025-01-24): Comment from [REDACTED] ([REDACTED]): Final Title Policy | 01/28/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222760299 |  |  |  | 32702496 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is Non-warrantable. |  |  |  | Reviewer Comment (2025-01-24): Condo is non-warrantable. See other exception. | 01/24/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222760299 |  |  |  | 32702571 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unwarrantable with Fannie Mae due to critical repairs needed. Lender exception in file. Seller consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-28): Approval by buyer<br>Seller Comment (2025-01-24): Comment from [REDACTED] ([REDACTED]): approved exception |  |  | 01/28/2025 | 2 C B |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222764647 |  |  |  | 32709671 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-06): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-01-30): Moved to buyer queue for approval and downgrade consideration.<br>Buyer Comment (2025-01-30): Comment from [REDACTED] ([REDACTED]): Articles not required with entity documentation in file. |  |  | 02/06/2025 | 2 C B |  | HI | Investment | Purchase | C B A |  | N/A | No |
| 222764647 |  |  |  | 32725264 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Lender exception to allow the use of Short Term Rental with a [REDACTED]. Missing investor/buyer exception approval. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-06): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 02/06/2025 | 2 C B |  | HI | Investment | Purchase | C B A |  | N/A | No |
| 222770073 |  |  |  | 32736121 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-02-04): Received AirDNA Report.<br>Seller Comment (2025-02-04): Comment from [REDACTED] ([REDACTED]): AirDNA used for STR income calc | 02/04/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222770073 |  |  |  | 32736143 |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. |  |  |  |  |  | Reviewer Comment (2025-02-04): Received AirDNA Report.<br>Seller Comment (2025-02-04): Comment from [REDACTED] ([REDACTED]): AirDNA | 02/04/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222770073 |  |  |  | 32741137 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | AirDNA Report used for qualifying per 1008 and UW worksheet. Report not provided. |  |  |  | Reviewer Comment (2025-02-04): Received AirDNA Report.<br>Seller Comment (2025-02-04): Comment from [REDACTED] ([REDACTED]): AirDNA | 02/04/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222770073 |  |  |  | 32741139 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-02-04): Received AirDNA Report.<br>Seller Comment (2025-02-04): Comment from [REDACTED] ([REDACTED]): AirDNA | 02/04/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 222803422 |  |  |  | 32787801 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-02-13): Business Purpose Certificate, Exception Cleared<br>Seller Comment (2025-02-13): Comment from [REDACTED] ([REDACTED]): Please see attached | 02/13/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 222803422 |  |  |  | 32787802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-12): Received additional account statement in trailing.<br>Seller Comment (2025-02-12): Comment from [REDACTED] ([REDACTED]): I"m unable to identify this - appears you have (REDACTED) savings statements which is [REDACTED] and [REDACTED], added [REDACTED] additional assets | 02/12/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 222806203 |  |  |  | 32811356 |  | 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 |  | MO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222834091 |  |  |  | 32807890 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-03-12): STR used for qualifying based on appraiser STR calculation.<br>Reviewer Comment (2025-03-11): Received post closing approval showing approved to short term income, buyer reviewed required for post closing document<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): Updated Final Loan Approval attached.<br>Reviewer Comment (2025-02-24): Loan approval states loan was qualified using Long-term rents. Please provide updated approval and UW DSCR calculation for review.<br>Buyer Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): No 1007 to provide - not part of qual and not designed to work with short-term rents. Appraiser's opinion of short term rent as indicated in the analysis comments used - [REDACTED] @ [REDACTED]% = [REDACTED]net | 03/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222834091 |  |  |  | 32807892 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | No Closing Instructions provided to verify Final Title Policy amount. |  |  |  | Reviewer Comment (2025-02-19): Received in trailing documents.<br>Seller Comment (2025-02-19): Comment from [REDACTED] ([REDACTED]): Updated prelim attached | 02/19/2025 |  |  | 1 B A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222834091 |  |  |  | 32807894 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  |  |  |  |  | Reviewer Comment (2025-03-12): STR used for qualifying based on appraiser STR calculation.<br>Reviewer Comment (2025-03-11): Approval is post-closing, buyer review required<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): Updated Final Loan Approval attached.<br>Reviewer Comment (2025-02-24): Loan approval states loan was qualified using Long-term rents. Please provide updated approval and UW DSCR calculation for review.<br>Buyer Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): Clarified in other condition - appraiser's opinion of shot term rent from appraisal used at 80% | 03/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222834091 |  |  |  | 32807905 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Missing Comparable Rent Schedule or Lease Agreement for DSCR Calculation. |  |  |  | Reviewer Comment (2025-03-12): STR used for qualifying based on appraiser STR calculation.<br>Seller Comment (2025-03-12): Comment from [REDACTED] ([REDACTED]): Using short term rents from appraisal of 6K/month. Please see page 6.<br>Reviewer Comment (2025-03-11): Provide the vacation rental statements to determine rental income.<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): Updated Final Loan Approval attached.<br>Reviewer Comment (2025-02-24): Loan approval states loan was qualified using Long-term rents. Please provide updated approval and UW DSCR calculation for review.<br>Buyer Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): DSCR breakdown…[REDACTED]\* .[REDACTED]= [REDACTED] net rent P&I $[REDACTED] taxes $[REDACTED], ins. $[REDACTED] PITA $[REDACTED]<br>[REDACTED]/[REDACTED]= [REDACTED]DSCR | 03/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 222886805 |  |  |  | 33037487 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Low LTV | Aggregator,SitusAMC | Reviewer Comment (2025-04-08): Waived and downgraded per [REDACTED] email / sheet.<br>Reviewer Comment (2025-03-28): Moved to [REDACTED] for waiver and downgrade consideration.<br>Seller Comment (2025-03-27): CV granted exception and [REDACTED] to [REDACTED] , please waive to buyers queue. |  |  | 04/08/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222888528 |  |  |  | 32823864 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy effective date of [REDACTED] is after the subject closing date of [REDACTED]. |  |  |  | Reviewer Comment (2025-02-14): Erroneous.<br>Buyer Comment (2025-02-14): Comment from [REDACTED] ([REDACTED]): Hazard insurance effective date is the same as the Disbursement date. This is sufficient. | 02/14/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 222888528 |  |  |  | 32827758 |  | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The guidelines require the borrower's business to be active for at least 2 years. The borrower's business has only been active for 1 year. |  |  |  | Reviewer Comment (2025-02-17): Per guidelines: 12 month bank statement does not require 2 years of self-employment.<br>Seller Comment (2025-02-14): Comment from [REDACTED] ([REDACTED]): UW LOE - not a requirement - borrower is 19 | 02/17/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 222888547 |  |  |  | 32824523 |  | 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 3.31146% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED]on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .31146%). |  |  |  |  | Reviewer Comment (2025-02-13): Client elects to waive. |  |  | 02/13/2025 | 2 B |  | RI | 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 |
| 222888547 |  |  |  | 32824525 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  | Reviewer Comment (2025-02-14): Received in trailing documents.<br>Seller Comment (2025-02-14): Comment from [REDACTED] ([REDACTED]): disclosure | 02/14/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222894439 |  |  |  | 32833868 |  | 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 ___. | Lender exception was approved to exceed the maximum LTV of 75% when using short-term rental income, and to use AirDNA average to calculate DSCR score. Compensating factors include FICO 40+ points over the minimum matrix tier, and DSCR over 1.15. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 19.35%<br> Borrower's Own Funds Amount: [REDACTED]<br>Guidelines Representative FICO: 640<br> Representative FICO:[REDACTED] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-13): Client elects to waive with compensating factors. |  |  | 01/13/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| 222894439 |  |  |  | 32833869 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender exception was approved to exceed the maximum LTV of 75% when using short-term rental income, and to use AirDNA average to calculate DSCR score. Compensating factors include FICO 40+ points over the minimum matrix tier, and DSCR over 1.15. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 19.35%<br> Borrower's Own Funds Amount: [REDACTED]<br>Guidelines Representative FICO: 640<br> Representative FICO:[REDACTED] | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-13): Client elects to waive with compensating factors. |  |  | 01/13/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| 222894659 |  |  |  | 32842517 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-02-20): Approval Received, Exception Cleared<br>Seller Comment (2025-02-20): Comment from [REDACTED] ([REDACTED]): Please see attached | 02/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222894659 |  |  |  | 32842539 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.94450% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or 1.94450%). |  |  |  |  | Reviewer Comment (2025-02-18): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-02-18): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 02/18/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222894659 |  |  |  | 32842541 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-02-18): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-02-18): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 02/18/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222894659 |  |  |  | 32842542 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED]). | The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2025-03-21): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): BWR RECEIVED (REDACTED) ON [REDACTED] IT WAS ONLY THE CHECK THAT WAS RECEIVED ON [REDACTED] SEE ATTACHED EMAIL TO BWR ASKING TO CONFIRM AND HER RESPONSE CONFIRMING SHE RECVD (REDACTED) ON [REDACTED] THANK YOU<br>Reviewer Comment (2025-03-21): [REDACTED] received proof of delivery on [REDACTED]. However, unable to cure the reopening of rescission as the delivery was to borrower on [REDACTED] but the cancel by date on the RTC's was [REDACTED] and the delivery did not allow the 3 business days rescission period prior to the cancel date. Please provide proof of reopening rescission to all consumers to meet waiting period requirement.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): please find attached proof of delivery of refund check to bwr via ups tracking - (REDACTED) DELIVERED TO BWR VIA SECURE EMAIL [REDACTED] ALSO ATTACHED<br>Reviewer Comment (2025-03-18): [REDACTED] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of unexecuted RTC's to all consumers. However, the UPS tracking does not reflect the package has yet been delivered. Must provide proof of delivery in order to start rescission reopening. Provide proof when package delivered and must be at least 3 business days prior to the [REDACTED] cancel by date.<br>Seller Comment (2025-03-17): Comment from [REDACTED] ([REDACTED]): Please find (REDACTED), PCCD, LOE to bwr, copy of check [REDACTED]refund, secure email to bwr w/ delivery receipts, and ups tracking showing check delivery receipt - thank you<br>Reviewer Comment (2025-03-10): [REDACTED] received Corrected CD and LOE to borrower. However, the negative credit reflected on Final CD was associated to the title-lender title insurance fee, which is not a finance charge and thus there was no reduction in finance charges. Finance charge remains underdisclosed at closing by $[REDACTED]. Disclosed as $[REDACTED] but calculated at $[REDACTED]. The fees included in the finance charge calculation are the Discount points $[REDACTED], Broker fee $[REDACTED], prepaid in $[REDACTED], Title-e-recording $[REDACTED], Title-release tracking $[REDACTED], Title-escrow fee $[REDACTED], Title-tax cer $[REDACTED] and underwriting fee of $[REDACTED]. Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[REDACTED], proof of mailing and proof of reopening rescission to all consumers.<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): Please see attached PCCD updating the credit on page 3 of the CD due to new information from the title officer - See LOX, PCCD and LOE, Secure Email to Bwr, and delivery receipt. Let us know if you need anything additonal.<br>Reviewer Comment (2025-02-24): [REDACTED] received LE & CD's & COC. However, this does not address the finance charge underdisclosure at closing of $[REDACTED]. In reviewing lender's compliance report, it appears lender has included a credit of $[REDACTED]for title services fee. While the TRID rules do not explicitly prohibit the use of negative fees, they instead instruct under which circumstances it would be appropriate to use a negative number.For example: \*Total Closing Costs on Alternative cash to close table - [REDACTED](e)(2)(ii): "Under the subheading "Final," the amount disclosed under paragraph (h)(1) of this section, disclosed as a negative number;" \*Total Payoffs and Payments on Alternative cash to close table - [REDACTED](e)(4)(ii): "Under the subheading "Final," the total amount of payoffs and payments made to third parties disclosed pursuant to paragraph (t)(5)(vii)(B) of this section, to the extent known, disclosed as a negative number; " \*Closing Costs Details - [REDACTED](g)(2)-2: "Negative prepaid interest. The prepaid interest amount is disclosed as a negative number if the calculation of prepaid interest results in a negative number." \*Closing Costs Total - [REDACTED](h)(3): "The amount described in § [REDACTED](g)(6)(ii) as a negative number, labeled "Lender Credits" and designated borrower-paid at closing, and if a refund is provided pursuant to § [REDACTED](f)(2)(v), a statement that this amount includes a credit for an amount that exceeds the limitations on increases in closing costs under § [REDACTED](e)(3), and the amount of such credit under § [REDACTED](f)(2)(v). As a result, [REDACTED] does not permit the application of the negative fee to the APR/Finance Charge as it is not specifically authorized. Depending on whether the fee should have been removed from the CD or if it is a credit, the lender can cure the loan in one of the following ways: 1. 1. If the fee was meant to be removed from the CD (i.e. the fee should not have been included on the CD as the borrower was charged $0) then the loan is underdisclosed and a cure is due to the borrower. Remediation documents include: LOE, corrected CD, check for underdisclosed amount, reopened rescission, and proof of receipt. 2. If the negative fee was meant to be a credit towards the APR fees, then the lender will need to provide a LOE and a CD with a credit for the amount of $[REDACTED]for a specific finance charge fee, in the "Paid by Others" column. Note that the lender cannot provide a general credit as it will not be applied to finance charge fees first as the deal settings indicate any credits will be applied to non-finance charges first.<br>Seller Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): Please re-review the baseline figures - Please see attached Disclosure Trkg, Fee Variance Worksheet along with Initial LE sent [REDACTED], redisclosed Le and COC dated [REDACTED], LE COC dated [REDACTED], Initial CD dated [REDACTED], CD and COC dated [REDACTED] and CD and COC dated [REDACTED]<br>Reviewer Comment (2025-02-21): Confirmed for [REDACTED] CD. Final CD is dated [REDACTED]<br>Seller Comment (2025-02-20): Comment from [REDACTED] ([REDACTED]): Please clarify - COC CD dated [REDACTED] Amount [REDACTED] and Finance charge [REDACTED] |  | 03/21/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222894659 |  |  |  | 32842543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/31/2025 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 [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/31/2025). | The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold. |  |  |  | Reviewer Comment (2025-03-21): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): BWR RECEIVED (REDACTED) ON [REDACTED] IT WAS ONLY THE CHECK THAT WAS RECEIVED ON [REDACTED] SEE ATTACHED EMAIL TO BWR ASKING TO CONFIRM AND HER RESPONSE CONFIRMING SHE RECVD (REDACTED) ON [REDACTED] THANK YOU<br>Reviewer Comment (2025-03-21): [REDACTED] received proof of delivery on [REDACTED]. However, unable to cure the reopening of rescission as the delivery was to borrower on [REDACTED] but the cancel by date on the RTC's was [REDACTED] and the delivery did not allow the 3 business days rescission period prior to the cancel date. Please provide proof of reopening rescission to all consumers to meet waiting period requirement.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): ups tracking<br>Reviewer Comment (2025-03-18): [REDACTED] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of unexecuted RTC's to all consumers. However, the UPS tracking does not reflect the package has yet been delivered. Must provide proof of delivery in order to start rescission reopening. Provide proof when package delivered and must be at least 3 business days prior to the [REDACTED] cancel by date.<br>Seller Comment (2025-03-17): Comment from [REDACTED] ([REDACTED]): Please find (REDACTED), PCCD, LOE to bwr, copy of check [REDACTED]refund, secure email to bwr w/ delivery receipts, and ups tracking showing check delivery receipt - thank you<br>Reviewer Comment (2025-03-10): [REDACTED] received Corrected CD and LOE to borrower. However, the negative credit reflected on Final CD was associated to the title-lender title insurance fee, which is not a finance charge and thus there was no reduction in finance charges. Finance charge remains underdisclosed at closing by $[REDACTED]. Disclosed as $[REDACTED] but calculated at $[REDACTED]. The fees included in the finance charge calculation are the Discount points $[REDACTED], Broker fee $[REDACTED], prepaid in $[REDACTED], Title-e-recording $[REDACTED], Title-release tracking $[REDACTED], Title-escrow fee $[REDACTED], Title-tax cer $[REDACTED] and underwriting fee of $[REDACTED]. Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[REDACTED], proof of mailing and proof of reopening rescission to all consumers.<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): Please see attached PCCD updating the credit on page 3 of the CD due to new information from the title officer - See LOX, PCCD and LOE, Secure Email to Bwr, and delivery receipt. Let us know if you need anything additonal.<br>Reviewer Comment (2025-02-21): Confirmed for [REDACTED] CD. Final CD is dated [REDACTED]<br>Seller Comment (2025-02-20): Comment from [REDACTED] ([REDACTED]): Please clarify - COC CD dated [REDACTED] Amount Financed [REDACTED] and Finance charge [REDACTED] |  | 03/21/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222894659 |  |  |  | 32865835 |  | 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 4.94450% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.94450%). |  |  |  |  | Reviewer Comment (2025-02-18): Client elects to waive. |  |  | 02/18/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222894659 |  |  |  | 32865836 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222894671 |  |  |  | 32842722 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222894671 |  |  |  | 32842723 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.52389% or Final Disclosure APR of 9.61000% is equal to or greater than the threshold of APOR 6.98% + 1.5%, or 8.48000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 9.52389% or Final Disclosure APR of 9.61000% is equal to or greater than the threshold of APOR 6.98% + 1.5%, or 8.48000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-03-05): Evidence of delivery of all appraisals provided. Compliance testing updated.<br>Seller Comment (2025-03-05): Comment from [REDACTED] ([REDACTED]): See attached email sent to borrower post closing.<br>Reviewer Comment (2025-03-04): Received Copy of Report dated [REDACTED] and POD not previously provided. Missing proof of delivery for report dated [REDACTED]. Exception can be downgraded with POD to borrower (even with delivery occurring post closing).<br>Seller Comment (2025-03-04): Comment from [REDACTED] ([REDACTED]): Attached is the Original Appraisal Dated [REDACTED] and proof that It was email to the Borrower. <br> The Revised Appraisal [REDACTED] was at our request to verify no damage from storm. The value or the integrity of the appraisal did not change. <br> If there was no change in The value or the integrity of the appraisal. Our other investors did not require the revised appraisal be sent in three (3) business days prior to consummation and allowed us to send it to borrowers during post-closing review as long as we have proof that the original Appraisal sent to customer meets delivery guidelines<br>Seller Comment (2025-03-04): Comment from [REDACTED] ([REDACTED]): see attached previously sent email to borrower for appraisal<br>Reviewer Comment (2025-03-03): The file submission does not include any confirmation of appraisal delivery to the borrower. For HPML loans, all versions of the appraisal and POD to borrower are required. If there was a prior version of the report that was provided to the borrower, loan will be reviewed for downgrade consideration once reviewed.<br>Buyer Comment (2025-03-03): Comment from [REDACTED] ([REDACTED]): Being that the revised request was at lenders request, and that there was no change in value or integrity to the appraisal, along with the fact that the Original Appraisal was delivered with the requirement time. Are we allowed to deliver to the borrower now to cure finding?<br>Reviewer Comment (2025-02-28): File submission does not include any confirmation of appraisal delivery to borrower. For HPML loans, all appraisals are required to be provided to the borrower.<br>Buyer Comment (2025-02-28): Comment from [REDACTED] ([REDACTED]): why is this a finding ? if Program allows for HPML | 03/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222894671 |  |  |  | 32842724 |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/[REDACTED]) |  |  |  | Reviewer Comment (2025-03-05): Evidence of delivery of all appraisals provided. Compliance testing updated.<br>Reviewer Comment (2025-02-28): File submission does not include any confirmation of appraisal delivery to borrower. For HPML loans, all appraisals are required to be provided to the borrower.<br>Buyer Comment (2025-02-28): Comment from [REDACTED] ([REDACTED]): The revised appraisal was at our request for an updated comment about FEMA Declared Disaster , which did not change the value of integrity of the appraisal or value. <br> We do not send these appraisals to borrowers.<br>Reviewer Comment (2025-02-26): 1004 with a Report Date of [REDACTED]<br>Buyer Comment (2025-02-26): Comment from [REDACTED] ([REDACTED]): Can you please confirm which appraisal you are referring to? | 03/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222894671 |  |  |  | 32980111 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222894673 |  |  |  | 32844972 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-02-26): Received E-mail confirmation, exception cleared.<br>Seller Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): Please see TITLE POLICY amount confirmation | 02/26/2025 |  |  | 1 B A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 222894673 |  |  |  | 32844986 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-02-28): Received Hazard Insurance, exception cleared.<br>Seller Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): Please see Attached EOI | 02/28/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 222901462 |  |  |  | 32857756 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR) |  |  |  | Reviewer Comment (2025-02-19): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-02-19): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM | 02/19/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 222901462 |  |  |  | 32896453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 222901778 |  |  |  | 32852387 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Market rent of [REDACTED] is being used from appraisal used for value. DSCR is calculated as: P&I [REDACTED] + Taxes [REDACTED] + HOI [REDACTED] = PITIA [REDACTED]. Calculated Rent is [REDACTED] / PITIA [REDACTED] = 0.89 DSCR. |  |  |  | Reviewer Comment (2025-02-18): Received in trailing documents.<br>Seller Comment (2025-02-18): Comment from [REDACTED] ([REDACTED]): DSCR Calc and Supporting Docs - $[REDACTED]@[REDACTED]%=$[REDACTED]/$[REDACTED] | 02/18/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| 222901778 |  |  |  | 32863461 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW income worksheet with breakdown of income being used for qualifying. File submission includes both STR and LTR documentation. 1007 used for loan qualifying. |  |  |  | Reviewer Comment (2025-02-18): Received in trailing documents.<br>Seller Comment (2025-02-18): Comment from [REDACTED] ([REDACTED]): DSCR Calc and Supporting Docs - $[REDACTED]@[REDACTED]%=$[REDACTED]/$[REDACTED] | 02/18/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| 222912996 |  |  |  | 32886595 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The Prepayment Rider to the Deed of Trust is missing. |  |  |  | Reviewer Comment (2025-02-25): Received Prepayment Rider, Exception cleared.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Full recorded DOT | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222912996 |  |  |  | 32886596 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  |  |  | Reviewer Comment (2025-02-25): Received 1-4 Family Rider, Exception cleared.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Full recorded DOT | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222912996 |  |  |  | 32886597 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-02-25): Received Note Addendum, Exception cleared.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Note addendum | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| 222912996 |  |  |  | 32886608 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-25): Received 12 month rental history hence, exception cleared<br>Seller Comment (2025-02-24): Comment from [REDACTED] ([REDACTED]): 12 month rental history | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222912996 |  |  |  | 32886609 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-25): As per Guidelines loan to value percentage of 75%, Exception cleared.<br>Buyer Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Per guides, Refi with DSCR > 1.1, max LTV is 75% | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222912996 |  |  |  | 32886610 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-25): As per Guidelines loan to value percentage of 75%, Exception cleared.<br>Buyer Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Per guides, Refi with DSCR > 1.1, max LTV is 75% | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222912996 |  |  |  | 32905929 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Missing STR Rental history noted on UW income worksheet. |  |  |  | Reviewer Comment (2025-02-25): Received in trailing documents.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Rental history | 02/25/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222913498 |  |  |  | 32896159 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-02-24): There is no HOA as confirmed by borrower, exception cleared.<br>Seller Comment (2025-02-21): Comment from [REDACTED] ([REDACTED]): HOA LOE | 02/24/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
| 222922306 |  |  |  | 32899715 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing finalXXXX document |  |  |  | Reviewer Comment (2025-02-25): Received Final 1003, Exception cleared.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Final 1003 | 02/25/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32899752 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall exception due to DTI mismatch as rental income does not match with the qualifying income used |  |  |  | Reviewer Comment (2025-03-12): STR income for REO property updated based on documents received in trailing docs. | 03/12/2025 |  |  | 1 B A C |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222922306 |  |  |  | 32899754 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Missing initial escrow account statement |  |  |  | Reviewer Comment (2025-02-26): Received in trailing documents.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): IEADS | 02/26/2025 |  |  | 1 B A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32899755 |  | 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 [REDACTED] 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. | Loan estimate provided is not within X days from application date |  |  |  | Reviewer Comment (2025-02-26): [REDACTED] Received Earliest E-Consent.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): initial LE and e-consent | 02/26/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32899760 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | File is missing evidence of the rental income used by the lender for the REO located on [REDACTED] |  |  |  | Reviewer Comment (2025-03-12): STR income for REO property updated based on documents received in trailing docs.<br>Reviewer Comment (2025-03-11): The student loans with no payments reported on the credit report were updated to 5% per guidelines.(REDACTED)<br> There were 3 leases located in file for the 2 units that total $[REDACTED]/mth. Guidelines did not reference a haircut for LTR, so the cash flow was $[REDACTED]/mth ($[REDACTED]- $[REDACTED]PITIA). [REDACTED]: Vacation income statement (Doc ID 0667) disclosed 2024 income of $[REDACTED]or $[REDACTED]/mth. Per guidelines, [REDACTED]% for the amount can be used on purchase transactions, leaving [REDACTED] after the haircut. When backing out the property's PITIA, we get a qualifying income of -$[REDACTED]($[REDACTED]- $[REDACTED]). With the changes, the DTI recalculated to [REDACTED]%, which still exceeded the 50% guideline threshold.<br>Buyer Comment (2025-03-05): Comment from [REDACTED] ([REDACTED]): Please clarify the calculations for rental income on both properties. In addition, per guidelines, a .[REDACTED]% payment can be used on the student loans where no payment is reflected on the credit report. Please re-calculate DTI based on the guidelines. (Note: a 1% payment of balance was used) Thank you!<br>Reviewer Comment (2025-03-04): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [REDACTED]% exceeds Guideline total debt ratio of [REDACTED]%.<br>Reviewer Comment (2025-03-04): Updated following receipt of STR income for the REO located at [REDACTED]. Guidelines refer to Short Term Rental Income Calculation for non-subject properties. Per guidelines: 80% of most recent 12-month income statement from the seller's third-party management company or online marketplace.<br>Seller Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): 12 month STR income history<br>Reviewer Comment (2025-02-26): Documentation provided is not for the (REDACTED) property.<br>Seller Comment (2025-02-25): Comment from [REDACTED] ([REDACTED]): Lease and rent payments | 03/12/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32900448 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall exception due to DTI mismatch as rental income does not match with the qualifying income used |  |  |  | Reviewer Comment (2025-03-12): STR income for REO property updated based on documents received in trailing docs. | 03/12/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32910000 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 70.13464% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | File is missing evidence of the rental income used by the lender for the REO located on (REDACTED). |  |  |  | Reviewer Comment (2025-03-04): Updated following receipt of STR income for the REO located at [REDACTED]. Guidelines refer to Short Term Rental Income Calculation for non-subject properties. Per guidelines: 80% of most recent 12-month income statement from the seller's third-party management company or online marketplace. | 03/04/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222922306 |  |  |  | 32971050 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.19227% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Updated following receipt of STR income for the REO located at [REDACTED] Guidelines refer to Short Term Rental Income Calculation for non-subject properties. Per guidelines: XX% of most recent XX-month income statement from the seller's third-party management company or online marketplace. |  |  |  | Reviewer Comment (2025-03-12): STR income for REO property updated based on documents received in trailing docs. | 03/12/2025 |  |  | 1 A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222927192 |  |  |  | 32929482 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Property Guard Report. Per guidelines: Property Guard report required for all short-term rentals. The report must confirm borrower has all permits necessary to operate a STR and city, county, state municipalities allow STRs |  |  |  | Reviewer Comment (2025-03-11): Corrected guidelines provided. Not required for [REDACTED] Choice guidelines. | 03/11/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222927192 |  |  |  | 32929508 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing AirDNA Report. Per guidelines: AirDNA must be used for all STR purchases. 1007 with short-term or long-term rents to qualify is ineligible<br> 80% of the actual or estimated gross receipts will be used to determine the qualifying rental income. Min DSCR 1.1 using AirDNA's 'Revenue Calculator/Rentalizer tool. Loan subject to additional review for AirDNA guideline requirements once received. |  |  |  | Reviewer Comment (2025-03-11): Corrected guidelines provided. Not required for [REDACTED] Choice guidelines. | 03/11/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222927192 |  |  |  | 32929520 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Loan is qualified using STR income per documentation in file. Per guidelines: 1.10 Min DSCR required for STR. |  |  |  | Reviewer Comment (2025-03-13): Product changed to Tier 2. Min DSCR 1.00<br>Buyer Comment (2025-03-12): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0350 and Doc ID 0502 product changed to Choice DSCR Tier 2-DSCR 1.0<br>Reviewer Comment (2025-03-11): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.00 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.10. | 03/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222927192 |  |  |  | 32929521 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Loan is qualified using STR income per documentation in file. Per guidelines: Min. FICO of 700 required for STR. |  |  |  | Reviewer Comment (2025-03-11): Corrected guidelines provided. Not required for [REDACTED] Choice guidelines. | 03/11/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222927192 |  |  |  | 32929531 |  | Property | Credit | Guideline Issue | Credit | Taxes are not appropriately escrowed. |  | Loan is qualified using STR income per documentation in file. Per guidelines: Property Tax Escrow required for STR purchases. |  |  |  | Reviewer Comment (2025-03-11): Corrected guidelines provided. Not required for [REDACTED] Choice guidelines. | 03/11/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222927192 |  |  |  | 32929557 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per guidelines: Minimum 1 year experience operating a short-term rental in the past 12 months required. Missing borrower track record documentation. |  |  |  | Reviewer Comment (2025-03-11): Corrected guidelines provided. Not required for [REDACTED] Choice guidelines. | 03/11/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C |  | N/A | No |
| 222952943 |  |  |  | 32930672 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-17): Okay to waive per client email [REDACTED]<br>Reviewer Comment (2025-03-04): Articles of Organization/Formation are unrelated to guarantor membership percentage. Articles not provided.<br>Seller Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): Articles not required - borrower 100% owner |  |  | 03/17/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222952943 |  |  |  | 32944264 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-02-27): Correction to STR income from 1007.<br>Seller Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): STR 1007 Market rents [REDACTED] @ 80% = $[REDACTED]. DSCR [REDACTED] | 02/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 222958513 |  |  |  | 32935091 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.21092% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .21092%). |  |  |  |  | Reviewer Comment (2025-02-27): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222958513 |  |  |  | 32935099 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-02-27): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-02-27): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 02/27/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222958513 |  |  |  | 32943336 |  | 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 3.21092% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .21092%). |  |  |  |  | Reviewer Comment (2025-02-27): Client elects to waive. |  |  | 02/27/2025 | 2 B |  | OR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222958513 |  |  |  | 32943337 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222962239 |  |  |  | 32966759 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing borrower Primary Residence Housing History. Seller exception in file, missing buyer/investor credit exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-03-17): Okay to waive per client email [REDACTED] |  |  | 03/17/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222979643 |  |  |  | 32975754 |  | 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 ___. |  | 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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-07): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 03/07/2025 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222979643 |  |  |  | 33183452 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  |  |  |  |  | Reviewer Comment (2025-07-01): Received fully executed Scrivener's Affidavit correcting the maturity Date to [REDACTED]. Also received fully executed Corrective Addendum correcting Note Maturity Date to [REDACTED].<br>Seller Comment (2025-06-30): Corrective docs | 07/01/2025 |  |  | 1 A |  | MS | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222981690 |  |  |  | 32976603 |  | 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. | The loan does not meet the Safe Harbor QM requirements due to the loan failing QM Points and Fees. |  |  |  | Reviewer Comment (2025-03-11): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-03-10): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 03/11/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 222981690 |  |  |  | 32976604 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.56998% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .56998%). |  |  |  |  | Reviewer Comment (2025-03-11): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-03-10): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM | 03/11/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222981690 |  |  |  | 32978218 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the first page of the final application. |  |  |  | Reviewer Comment (2025-03-10): Received Final 1003, exception cleared.<br>Seller Comment (2025-03-07): Comment from [REDACTED] ([REDACTED]): 1003 | 03/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 222981690 |  |  |  | 33010990 |  | 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 3.56998% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .56998%). |  |  |  |  | Reviewer Comment (2025-03-11): Client elects to waive. |  |  | 03/11/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 222981690 |  |  |  | 33010991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223007839 |  |  |  | 33033194 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Report is not provided for the member. |  |  |  | Reviewer Comment (2025-03-19): Included in TD.<br>Seller Comment (2025-03-18): uploaded sanctions searchlist; no results | 03/19/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223013235 |  |  |  | 33025078 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B |  | IL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223013235 |  |  |  | 33031540 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable. See other exception. |  |  |  | Reviewer Comment (2025-03-13): Non-warrantable confirmed.<br>Buyer Comment (2025-03-13): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0399 | 03/13/2025 |  |  | 1 C A |  | IL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223013235 |  |  |  | 33031643 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | New project, non gut conversion in the last 3 years that does not have PERS approval and presales are below 50%. Lender approved exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least [REDACTED] | Reserves > 6 months above program minimum<br>Residual income exceeds minimum required. | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-03-13): Exception approval provided, meets buyers waiver policy. |  |  | 03/13/2025 | 2 B |  | IL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223016557 |  |  |  | 33151388 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-04-23): Received in trailing documents.<br>Seller Comment (2025-04-23): Comment from (REDACTED) ((REDACTED) Mortgage Corporation): Please see attached REO docs for [REDACTED], | 04/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223040016 |  |  |  | 33076227 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | DataVerify DRIVE Report required on all loans. |  |  |  | Reviewer Comment (2025-03-24): Document Received, Exception Cleared<br>Seller Comment (2025-03-24): Comment from [REDACTED] ([REDACTED]): DRIVE report | 03/24/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223041331 |  |  |  | 33178029 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  |  |  |  |  | Reviewer Comment (2025-06-11): Fully executed Corrective Addendum to Note provided. Maturity Date updated to [REDACTED]<br>Seller Comment (2025-06-11): Please review the fully uploaded documents. The upload also included Correction of Real Estate Secured Loan that states "the Note and Security Instrument are amended to state that the Date of Maturity for the Loan is [REDACTED]"<br>Reviewer Comment (2025-06-11): Received fully executed and recorded Corrective Addendum to the Security Instrument. Maturity Date updated to [REDACTED]. Note maturity Date is [REDACTED].<br>Seller Comment (2025-06-11): Corrective docs | 06/11/2025 |  |  | 1 A |  | OH | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 223050120 |  |  |  | 33071742 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Articles of Organization/Formation, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Articles | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071743 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Certificate of Good Standing, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Good standing | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071744 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): LLC docs | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071746 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Employer Identification Number (EIN), exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): EIN | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071747 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Note Addendum - Prepayment, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Note addendum | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | Yes |
| 223050120 |  |  |  | 33071748 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Operating agreement | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071749 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received AirDNA Report in trailing.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Docs used for STR calc | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071776 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): STR docs | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071832 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Guarantor Agreement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Guaranty | 03/24/2025 |  |  | 1 D A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33071850 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Incomplete file submission. Missing STR income documentation and/or 1007. |  |  |  | Reviewer Comment (2025-03-24): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): STR docs | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050120 |  |  |  | 33085210 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-03-24): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): STR docs | 03/24/2025 |  |  | 1 C A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 223050122 |  |  |  | 33085941 |  | 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. |  |  |  |  | Reviewer Comment (2025-03-24): Appraisal dated [REDACTED] was provided to the borrower on [REDACTED]. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Exception is EV2, informational.<br>Seller Comment (2025-03-20): Comment from [REDACTED] ([REDACTED]): Evidence of Appraisal Delivery with "Notes" |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223050122 |  |  |  | 33085943 |  | 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 Higher Priced QM (APOR). | The loan does not meet the loan designation of Safe Harbor QM due to the loan is a Higher Priced QM loan. |  |  |  | Reviewer Comment (2025-03-21): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-03-21): Comment from [REDACTED] ([REDACTED]): Please retest to higher priced QM<br>Reviewer Comment (2025-03-21): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). Buyer to request loan re-designation.<br>Seller Comment (2025-03-20): Comment from [REDACTED] ([REDACTED]): Loan is Non QM, so not evaluated? Passes State Regs | 03/21/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223050122 |  |  |  | 33097652 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223115488 |  |  |  | 33107598 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-03-26): Received Approval, exception cleared.<br>Seller Comment (2025-03-26): Comment from [REDACTED] ([REDACTED]): see attached | 03/26/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223127247 |  |  |  | 33150675 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-04-08): Included in TD.<br>Seller Comment (2025-04-07): uploaded sanctions searchlist no results | 04/08/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223127247 |  |  |  | 33186133 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The personal guaranty is signed by a POA on behalf of the sole owner of the entity. This does not appear to be a guideline issue but is set for [REDACTED] visibility. Moved to [REDACTED] for consideration to clear this exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Low LTV<br>High FICO | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-04-28): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-04-28): AMC - please waive down per [REDACTED] per amended OA provided<br>Reviewer Comment (2025-04-21): The personal guaranty is signed by a POA on behalf of the sole owner of the entity. This does not appear to be a guideline issue but is set for [REDACTED] visibility. Moved to [REDACTED] for consideration to clear this exception.<br>Seller Comment (2025-04-18): Uploaded amended OA per request<br>Reviewer Comment (2025-04-03): Moved to [REDACTED] for consideration to clear this exception. |  |  | 04/28/2025 | 2 C B |  | NV | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223128021 |  |  |  | 33145723 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-04-02): STR AirDNA Report provided. | 04/02/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223128021 |  |  |  | 33145749 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-04-02): Received in trailing documents.<br>Seller Comment (2025-04-01): Comment from [REDACTED] ([REDACTED]): Attached is the email from XXX Project Approval Dept. confirming this project is approved | 04/02/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223134865 |  |  |  | 33151252 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-04-06): Received in trailing documents.<br>Seller Comment (2025-04-04): Comment from [REDACTED] ([REDACTED]): Please see documentation | 04/06/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223168622 |  |  |  | 33180813 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-04-15): Received in trailing documents.<br>Seller Comment (2025-04-15): assets [REDACTED] | 04/15/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223168622 |  |  |  | 33180846 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-15): Received in trailing documents.<br>Seller Comment (2025-04-15): assets [REDACTED] | 04/15/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223168622 |  |  |  | 33185188 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  |  |  |  |  | Reviewer Comment (2025-06-25): Received fully executed Scrivener's Affidavit correcting the Security Instrument Maturity Date to [REDACTED]. Fully executed Corrective Addendum received correcting Note Maturity Date to [REDACTED].<br>Seller Comment (2025-06-25): Corrective docs | 06/25/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223168900 |  |  |  | 33187889 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy effective date is missing from evidence of insurance. |  | For the properties mentioned below policy Effective date is shown as Pending on provided insurance document.<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED] |  |  |  | Reviewer Comment (2025-04-15): Received updated policies in trailing documents.<br>Seller Comment (2025-04-15): [REDACTED] | 04/15/2025 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| 223168900 |  |  |  | 33187894 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy expiration date is missing from evidence of insurance. |  | For the properties mentioned below policy expiration date is shown as Pending on provided insurance document.<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED]<br> [REDACTED] |  |  |  | Reviewer Comment (2025-04-15): Received updated policies in trailing documents.<br>Seller Comment (2025-04-15): [REDACTED] | 04/15/2025 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| 223168900 |  |  |  | 33203986 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject loan is seven properties, cross-collateralized. Release provisions not provided in the Security Instrument or Loan Agreement. |  |  |  | Reviewer Comment (2025-06-25): Received in trailing documents.<br>Seller Comment (2025-06-25): Corrected Document | 06/25/2025 |  |  | 1 C A |  |  | Investment | Purchase | C A |  | N/A | No |
| 223171874 |  |  |  | 33179424 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-04): Fraud Report Received , Exception Cleared<br>Seller Comment (2025-04-04): Comment from [REDACTED] ([REDACTED]): DRIVE report | 04/04/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171874 |  |  |  | 33183171 |  | 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. | Originator Loan Designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2025-04-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-07): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 04/07/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223171874 |  |  |  | 33183172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.41174% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .41174%). | Points and Fees on subject loan of 3.41174% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount |  |  |  | Reviewer Comment (2025-04-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-07): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 04/07/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171874 |  |  |  | 33199026 |  | 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 3.41174% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .41174%). |  |  |  |  | Reviewer Comment (2025-04-07): Client elects to waive. |  |  | 04/07/2025 | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223171874 |  |  |  | 33199029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171942 |  |  |  | 33185391 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO documents (Mortgage statement, Insurance, Tax, and HOA verification) are not available in file. |  |  |  | Reviewer Comment (2025-04-10): There are no HOAs, exception cleared.<br>Seller Comment (2025-04-09): Comment from [REDACTED] ([REDACTED]): hoa , no lease<br>Reviewer Comment (2025-04-08): Please confirm if there are any HOA on REO properties & Lease agreement for Address: [REDACTED] is missing, exception remains.<br>Seller Comment (2025-04-07): Comment from [REDACTED] ([REDACTED]): reo docs | 04/10/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A | N/A | N/A | No |
| 223171960 |  |  |  | 33184490 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-04-10): Received in trailing documents.<br>Seller Comment (2025-04-07): Comment from [REDACTED] ([REDACTED]): Email | 04/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171960 |  |  |  | 33184667 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-17): Appraisal was sent to borrower on [REDACTED] and viewed the same day. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br>Seller Comment (2025-04-15): Comment from [REDACTED] ([REDACTED]): appraisal<br>Reviewer Comment (2025-04-10): Appraisal was sent to borrower on [REDACTED] and viewed the same day. Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br>Seller Comment (2025-04-07): Comment from [REDACTED] ([REDACTED]): lox |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171960 |  |  |  | 33184668 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.07732% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .07732%). |  |  |  |  | Reviewer Comment (2025-04-10): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): non-QM loan | 04/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171960 |  |  |  | 33184669 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-04-10): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): non-QM loan | 04/10/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223171960 |  |  |  | 33186738 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The HOA has a primary master insurance policy through Citizens covering only basic perils, and is on a replacement cost basis. There is a lender exception in the loan file. Condo is non-warrantable. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 20 points > program minimum | SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2025-04-04): Exception approval provided, meets buyers waiver policy. |  |  | 04/04/2025 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223171960 |  |  |  | 33230415 |  | 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 3.07732% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .07732%). |  |  |  |  | Reviewer Comment (2025-04-10): Client elects to waive. |  |  | 04/10/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223171960 |  |  |  | 33230416 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-04-17): Exception is EV2, informational. Nothing additional required.<br>Seller Comment (2025-04-17): Comment from [REDACTED] ([REDACTED]): misc |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223180136 |  |  |  | 33203954 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Personal Guaranty is signed by a POA. This is not a guideline violation but an exception is set for [REDACTED] visibility. Moved to [REDACTED] to advise if they wish to clear this exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Low LTV | Aggregator,SitusAMC | Reviewer Comment (2025-05-05): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-05-05): AMC - Please waive down<br>Reviewer Comment (2025-05-02): This is not a guideline violation but an exception is set for [REDACTED] visibility. Moved to [REDACTED] to advise if they wish to clear this exception.<br>Seller Comment (2025-04-30): The POA is used for [REDACTED] to sign on behalf of [REDACTED]. The POA is only used on the Guaranty, as they are the only documents were [REDACTED]is being asked to sign as an individual and not on behalf of the entity.<br> The resolution is for the remainder of the docs. It states on page 2 that the sole member, [REDACTED], or [REDACTED] are authorized to sign the documents on behalf of the borrowing entity, which is why the remaining docs are him being called an authorized signer.<br>Reviewer Comment (2025-04-07): Moved to [REDACTED] to advise if they wish to clear this exception. |  |  | 05/05/2025 | 2 C B |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 223180222 |  |  |  | 33181170 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223187138 |  |  |  | 33190003 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-14): Received Assignment of Interest for LLC.<br>Seller Comment (2025-04-08): Comment from [REDACTED] ([REDACTED]): operating agreement not required - 50% and full unilateral authority | 04/14/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 223189728 |  |  |  | 33200502 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Articles of Organization/Formation Received, Exception Cleared<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Articles | 04/10/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33200503 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Certificate of Good Standing Received, Exception Cleared<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Good standing | 04/10/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33200504 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Document Received, Exception Cleared<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 04/10/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33200505 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Please provide Signed Guarantor agreement for all borrowers. |  |  |  | Reviewer Comment (2025-04-10): Guarantor Agreement Received, Exception Cleared<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Guaranty | 04/10/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33200506 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Operating Agreement Received, Exception Cleared<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Operating agreement | 04/10/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33200522 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-04-15): received<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): OFAC | 04/15/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33225208 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  | Per guidelines for STR refinance transactions: The subject property cannot have any STR restrictions from the HOA, County, or City. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-05-19): Okay to waive/downgrade per client email [REDACTED]<br>Seller Comment (2025-05-19): Comment from [REDACTED] ([REDACTED]): Rental listing<br>Reviewer Comment (2025-04-15): Missing permit as required by city of (REDACTED) per documentation provided<br>Seller Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): STR ordinance |  |  | 05/19/2025 | 2 C B |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33225217 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | STR confirmed per UW worksheet. Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. AirDNA Report not provided. XXXX does not meet guidelines. Refinance transaction, per guidelines: Properties that have been owned for less than XX months may be considered using the same AirDNA and Appraisal criteria as purchase transactions. |  |  |  | Reviewer Comment (2025-04-15): Supplemental addendum update shows calculations and data used for average monthly rents<br>Buyer Comment (2025-04-10): Comment from [REDACTED] ([REDACTED]): Please see page 2 of the Supplemental Addendum in the appraisal report (doc ID 0171) for appraiser comments in the "Requested Updates [REDACTED]" section. Thank you! | 04/15/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189728 |  |  |  | 33231909 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Added following receipt of QA in trailing documents entity is XX% owned by [REDACTED] Evidence [REDACTED] is in good standing not provided |  |  |  | Reviewer Comment (2025-04-14): Received in trailing documents.<br>Seller Comment (2025-04-11): Comment from [REDACTED] ([REDACTED]): (REDACTED) good standing | 04/14/2025 |  |  | 1 A |  | TN | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223189876 |  |  |  | 33207161 |  | 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 |  |  |  |  | Reviewer Comment (2025-04-22): updated with receipt of rate sheet showing undiscounted rate and price of start rate<br>Seller Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): CT [REDACTED]: Please see the attached Par Rate, The price of the undiscounted rate is $[REDACTED], there is no charge for undiscounted (also known as PAR) rate. | 04/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223189876 |  |  |  | 33207162 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-22): updated with receipt of rate sheet showing undiscounted rate and price of start rate<br>Buyer Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): CT [REDACTED]: Please see the attached Par Rate, The price of the undiscounted rate is $[REDACTED], there is no charge for undiscounted (also known as PAR) rate. | 04/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223189876 |  |  |  | 33207163 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-22): updated with receipt of rate sheet showing undiscounted rate and price of start rate<br>Buyer Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): CT [REDACTED]: Please see the attached Par Rate, The price of the undiscounted rate is $[REDACTED], there is no charge for undiscounted (also known as PAR) rate. | 04/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223189876 |  |  |  | 33207164 |  | 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 5.86904% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .86904%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-04-22): updated with receipt of rate sheet showing undiscounted rate and price of start rate<br>Buyer Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): CT [REDACTED]: Please see the attached Par Rate, The price of the undiscounted rate is $[REDACTED], there is no charge for undiscounted (also known as PAR) rate. | 04/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 223189876 |  |  |  | 33207165 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-22): updated with receipt of rate sheet showing undiscounted rate and price of start rate<br>Buyer Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): CT [REDACTED] : Please see the attached Par Rate, The price of the undiscounted rate is $[REDACTED], there is no charge for undiscounted (also known as PAR) rate. | 04/22/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223189876 |  |  |  | 33207166 |  | 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 5.86904% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 2.86904%). |  |  |  |  | Reviewer Comment (2025-04-09): Client elects to waive. |  |  | 04/09/2025 | 2 B |  | AL | 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 |
| 223195094 |  |  |  | 33207126 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-14): Received Business Purpose Certificate, exception cleared.<br>Seller Comment (2025-04-14): Comment from [REDACTED] ([REDACTED]): Attached is the document to clear this finding. | 04/14/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 223195132 |  |  |  | 33211567 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  | Reviewer Comment (2025-04-14): Received Gift Letter, exception cleared.<br>Seller Comment (2025-04-14): Comment from [REDACTED] ([REDACTED]): attached is the gift letter to clear this finding. | 04/14/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223195132 |  |  |  | 33212629 |  | 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 ___. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED] | FICO > 20 points above program minimum<br>Disposable income at least [REDACTED] | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-12): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-05): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated PITIA months reserves of [REDACTED] is less than Guideline PITIA months reserves of [REDACTED].<br>Reviewer Comment (2025-05-05): [REDACTED] guidelines would not apply to this loan as it closed on [REDACTED].<br>Buyer Comment (2025-05-04): Comment from [REDACTED] ([REDACTED]): Hello, This file should be reviewed under NonQM4 guidelines to require 3 months reserve and will also need to request an exception once condition is updated to the correct amount of reserves required. Thank you! |  |  | 05/12/2025 | 2 C B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223195132 |  |  |  | 33212671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-05-12): Waived and downgraded per client email/ sheet based on available compensating factors. | 05/12/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223195132 |  |  |  | 33212672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation failure due to QM failure. |  |  |  | Reviewer Comment (2025-05-12): Waived and downgraded per client email/ sheet based on available compensating factors. Compliance testing updated. | 05/12/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223195132 |  |  |  | 33229367 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The borrower is a first-time homebuyer and the maximum DTI without a 12-month housing history (borrower pays cash) is 43.00%. Lender exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least [REDACTED] | FICO > 20 points above program minimum<br>Disposable income at least [REDACTED] | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-04-10): Exception approval provided, meets buyers waiver policy. |  |  | 04/10/2025 | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223195132 |  |  |  | 33229500 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.64023% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least [REDACTED] | FICO > 20 points above program minimum<br>Disposable income at least [REDACTED] | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-04-10): Exception approval provided, meets buyers waiver policy. |  |  | 04/10/2025 | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223224340 |  |  |  | 33233269 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-04-16): Received in trailing documents.<br>Seller Comment (2025-04-15): Comment from [REDACTED] ([REDACTED]): OFAC attached. | 04/16/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223235835 |  |  |  | 33275751 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-16): UCDP Received, Exception Cleared<br>Seller Comment (2025-04-16): Comment from [REDACTED] ([REDACTED]): UCDP - CU Score 1 | 04/16/2025 |  |  | 1 D A |  | IL | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223235835 |  |  |  | 33275758 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-04-16): Received in trailing documents.<br>Seller Comment (2025-04-16): Comment from [REDACTED] ([REDACTED]): Current HOI | 04/16/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223235835 |  |  |  | 33281467 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW DSCR worksheet showing calculation used for qualifying. |  |  |  | Reviewer Comment (2025-04-16): Received in trailing documents.<br>Seller Comment (2025-04-16): Comment from [REDACTED] ([REDACTED]): DSCR Calc | 04/16/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223235840 |  |  |  | 33286806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Complete 1008 and/or approval confirming income type being used for qualifying, along with UW income worksheet. File submission includes both STR and LTR documentation. |  |  |  | Reviewer Comment (2025-04-18): Received in trailing documents.<br>Seller Comment (2025-04-16): Comment from [REDACTED] ([REDACTED]): 1008, approval and DSCR Calc. | 04/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223260406 |  |  |  | 33286445 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-04-24): STR documentation provided.<br>Seller Comment (2025-04-24): Comment from [REDACTED] ([REDACTED]): Used actual AirBNB 12 month rental income | 04/24/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223260406 |  |  |  | 33301107 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-04-24): Received in trailing documents.<br>Seller Comment (2025-04-24): Comment from [REDACTED] ([REDACTED]): AirBnB and VRBO listing | 04/24/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223260406 |  |  |  | 33301114 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | UW worksheet confirms STR qualifying on 12-month history. History not provided. Unable to calculate DSCR. |  |  |  | Reviewer Comment (2025-04-24): Received in trailing documents.<br>Seller Comment (2025-04-24): Comment from [REDACTED] ([REDACTED]): Income stmt | 04/24/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223260406 |  |  |  | 33301115 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | UW worksheet confirms STR qualifying on 12-month history. History not provided. Unable to calculate DSCR. |  |  |  | Reviewer Comment (2025-04-24): Received in trailing documents.<br>Seller Comment (2025-04-24): Comment from [REDACTED] ([REDACTED]): Income statement | 04/24/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223260418 |  |  |  | 33306592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Missing for borrower, received for co-borrower. |  |  |  | Reviewer Comment (2025-04-24): Driver License Received, Exception Cleared<br>Seller Comment (2025-04-24): Comment from [REDACTED] ([REDACTED]): IDs<br>Reviewer Comment (2025-04-23): Two individual borrowers per Note (Doc ID (REDACTED)) and supporting documents in loan file. Missing identification for second borrower.<br>Buyer Comment (2025-04-23): Comment from [REDACTED] ([REDACTED]): [REDACTED] is the only borrower on this loan; ID provided is (REDACTED) | 04/24/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 223260557 |  |  |  | 33288996 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-29): Updated with receipt of itemization | 04/29/2025 |  |  | 1 A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33288997 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 8.96527% is equal to or greater than the threshold of 8.87000%. |  |  |  |  | Reviewer Comment (2025-04-29): received itemization<br>Buyer Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): TF [REDACTED] Disagree - The Final CD and Itemization of Settlement Fees and Charges reflects $[REDACTED]in seller credit<br>Reviewer Comment (2025-04-21): Worksheet provided does not align to either Final CD signed by borrower at closing or Post Closing CD.<br>Seller Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): LI [REDACTED] A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 04/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33288998 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.22710% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .22710%). |  |  |  |  | Reviewer Comment (2025-04-29): Offset for seller paid loan discounts per itemization.<br>Buyer Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): TF [REDACTED] Disagree - The Final CD and Itemization of Settlement Fees and Charges reflects $[REDACTED] in seller credit<br>Reviewer Comment (2025-04-21): Worksheet provided does not align to either Final CD signed by borrower at closing or Post Closing CD.<br>Seller Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): LI [REDACTED] A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 04/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33288999 |  | 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[REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-16): Sufficient Cure Provided At Closing |  | 04/16/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223260557 |  |  |  | 33289000 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-05-05): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-05): Comment from [REDACTED] ([REDACTED]): non-QM Please re-test<br>Reviewer Comment (2025-04-29): We still have a mismatch as we are identifying the loan as Higher-Priced QM (APOR) while the loan was submitted as a SHQM (APOR). The APR of [REDACTED]% exceeds the rate threshold of [REDACTED]% which would make the loan fall into a HPQM (APOR) category.<br>Reviewer Comment (2025-04-29): EXCEPTION HISTORY - Exception Detail was updated on [REDACTED] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Buyer Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): TF [REDACTED] Disagree - The Final CD and Itemization of Settlement Fees and Charges reflects $[REDACTED] in seller credit<br>Reviewer Comment (2025-04-21): Worksheet provided does not align to either Final CD signed by borrower at closing or Post Closing CD.<br>Seller Comment (2025-04-21): Comment from [REDACTED] ([REDACTED]): LI [REDACTED] A portion of the Discount charge and the Underwriting fee are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 05/05/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223260557 |  |  |  | 33289007 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing a copy of the Closing Statement from the refinance of the departing residence as reflected on the 1003. |  |  |  | Reviewer Comment (2025-04-21): Confirmed no changes to departing residence at time of closing subject loan.<br>Seller Comment (2025-04-18): Comment from [REDACTED] ([REDACTED]): [REDACTED] - KJ: The REO located at of [REDACTED] is being refinanced via loan #[REDACTED], and the loan has not closed. Please see the attached copy of the most recent approval letter. | 04/21/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33370612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  |  | Reviewer Comment (2025-05-05): Loan Designation restated. Compliance testing updated. | 05/05/2025 |  |  | 1 A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33371617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require 12 or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-05-05): Loan Designation restated. Compliance testing updated. | 05/05/2025 |  |  | 1 A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260557 |  |  |  | 33410637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223260568 |  |  |  | 33286557 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dec page reflects coverage of [REDACTED] which is insufficient to cover loan amount of [REDACTED] |  |  |  | Reviewer Comment (2025-04-21): Received in trailing documents.<br>Seller Comment (2025-04-18): Comment from [REDACTED] ([REDACTED]): [REDACTED] - KJ: Please see the attached email from the HOI agent confirming the subject's replacement cost of $[REDACTED]. | 04/21/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223271561 |  |  |  | 33291780 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Missing background check for the borrowing entity. |  |  |  | Reviewer Comment (2025-03-28): Received<br>Buyer Comment (2025-03-21): Background check attached | 03/28/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223294482 |  |  |  | 33330820 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-30): Received STR documentation in trailing. DSCR >1.00<br>Reviewer Comment (2025-04-25): Received seller confirmation that subject is qualifying on 12-month history of STR earnings. Unable to update until STR documentation provided (see added exceptions).<br>Seller Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): UW LOE and DSCR Calc and updated 1008<br>Reviewer Comment (2025-04-23): DSCR .80 - 1.00 minimum score is 700 per guidelines.<br>Seller Comment (2025-04-23): Comment from [REDACTED] ([REDACTED]): Guide Matrix - loan appears to fit guidelines | 04/30/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223294482 |  |  |  | 33354855 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Added following seller confirmation that subject is qualifying on 12-month history of STR earnings. Per guidelines: For short term rents 80% of the estimated gross receipts will be used to determine the qualifying rental income. Documentation supporting gross receipts not provided. |  |  |  | Reviewer Comment (2025-04-30): Received in trailing documents.<br>Seller Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): STR Docs from file | 04/30/2025 |  |  | 1 A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223294482 |  |  |  | 33354865 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  | Added following seller confirmation that subject is qualifying on 12-month history of STR earnings. Per guidelines: Property must be staged for STR and be listed on a STR facilitator site like VRBO or AirBNB. Missing evidence of listing. |  |  |  | Reviewer Comment (2025-04-30): Received in trailing documents.<br>Seller Comment (2025-04-25): Comment from [REDACTED] ([REDACTED]): STR Docs from file | 04/30/2025 |  |  | 1 A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223294550 |  |  |  | 33335282 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Per guidelines: Borrowers without US credit need 2 trades with a 24-month history showing activity in the last 12 months. |  |  |  | Reviewer Comment (2025-05-07): Received evidence of tradelines in trailing documents.<br>Seller Comment (2025-05-07): Comment from [REDACTED] ([REDACTED]): LOE and tradeline docs separated<br>Reviewer Comment (2025-04-23): Received 617 pages of trailing documents. Please provide only documentation specific for exception for review.<br>Seller Comment (2025-04-23): Comment from [REDACTED] ([REDACTED]): Credit docs - 2 tradelines | 05/07/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223294550 |  |  |  | 33335301 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers without US credit - Letter of Credit (LOR) Required. The Letter of Credit must be from an internationally known financial institution containing the items outlined in guidelines. |  |  |  | Reviewer Comment (2025-05-14): Received in trailing documents.<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): UW LOE<br>Reviewer Comment (2025-05-07): Not received. Please upload letter separately or identify Doc ID of letter in the 600+ page trailing documents loaded.<br>Seller Comment (2025-05-07): Comment from [REDACTED] ([REDACTED]): LOE and tradeline docs separated<br>Reviewer Comment (2025-04-23): Received 617 pages of trailing documents. Please provide only documentation specific for exception for review.<br>Seller Comment (2025-04-23): Comment from [REDACTED] ([REDACTED]): credit docs | 05/14/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223294550 |  |  |  | 33335332 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | First Time Property Owner: Not allowed. Defined as a borrower who has not owned real estate in the most recent 36 months. |  |  |  | Reviewer Comment (2025-05-07): Received evidence of mortgage history in trailing documents.<br>Seller Comment (2025-05-07): Comment from [REDACTED] ([REDACTED]): REO - Owned since 2019<br>Reviewer Comment (2025-04-23): Received 617 pages of trailing documents. Please provide only documentation specific for exception for review.<br>Seller Comment (2025-04-23): Comment from [REDACTED] ([REDACTED]): REO - Owned since 2019 | 05/07/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 223297570 |  |  |  | 33352457 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-04-25): Non-warrantable per seller. | 04/25/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223297570 |  |  |  | 33354212 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-05-02): Guidelines are silent. Client accepts.<br>Seller Comment (2025-04-29): Comment from [REDACTED] ([REDACTED]): FNMA approval; questionnaire not required per guides | 05/02/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223303244 |  |  |  | 33346738 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-04-29): STR - AirDNA used for qualifying.<br>Seller Comment (2025-04-28): Comment from [REDACTED] ([REDACTED]): AIrdna used for STR calc | 04/29/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 223303244 |  |  |  | 33346742 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): Received Vacation Rental Website Listing, exception cleared.<br>Seller Comment (2025-04-28): Comment from [REDACTED] ([REDACTED]): AirDNA | 04/28/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 223303244 |  |  |  | 33346830 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): Received Vacation Rental Income Statement (VRBO, Airbnb, etc.), exception cleared.<br>Seller Comment (2025-04-28): Comment from [REDACTED] ([REDACTED]): AirDNA | 04/28/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 223303244 |  |  |  | 33346923 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): Received Note Addendum - Prepayment, Exception Cleared<br>Seller Comment (2025-04-28): Comment from [REDACTED] ([REDACTED]): Note Addendum | 04/28/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | Yes |
| 223303244 |  |  |  | 33346984 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Unable to Calculate the DSCR as the UW worksheet shows STR qualifying on 12 month history. History not provided |  |  |  | Reviewer Comment (2025-04-28): Received Vacation Rental Website Listing, exception cleared.<br>Seller Comment (2025-04-28): Comment from [REDACTED] ([REDACTED]): AIrDNA | 04/28/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A |  | N/A | No |
| 223303262 |  |  |  | 33355808 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Security Instrument references an incorrect Note Date. Note Date per Promissory Note is [REDACTED] Security Instrument Note Date is [REDACTED] | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-08): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-01): Moved to buyer for approval of Destroyed Note Affidavit.<br>Seller Comment (2025-05-01): Comment from [REDACTED] ([REDACTED]): see attached note affidavit<br>Reviewer Comment (2025-04-30): Received a second, fully executed Promissory Note for the subject property with a date of [REDACTED]. There are now two live Notes on the subject property. Destroyed Note Affidavit and buyer review required.<br>Seller Comment (2025-04-30): Comment from [REDACTED] ([REDACTED]): Sorry, that note should not have been in the loan file. We had to re-draw the documents. Attached is the correct note. |  |  | 05/08/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303262 |  |  |  | 33355871 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-05-06): Exception remains Open, EV2, Informational.<br>Buyer Comment (2025-05-06): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303262 |  |  |  | 33355896 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-04-29): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-29): Comment from [REDACTED] ([REDACTED]): please restate as higher price QM | 04/29/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303262 |  |  |  | 33371948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-05-06): Exception remains Open, EV2, Informational.<br>Buyer Comment (2025-05-06): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303469 |  |  |  | 33362182 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Per guidelines: Appraiser must cite third party source and formula used to calculate STR income if an AirDNA Rentalizer was not provided. 1007 provided does not include guideline required information and no AirDNA Report provided. |  |  |  | Reviewer Comment (2025-05-01): Revised appraiser commentary sufficient.<br>Seller Comment (2025-04-29): Comment from [REDACTED] ([REDACTED]): Please see Revisions listed on page 11 of the attached appraisal. The appraiser used actual rents collected from rental management company and was averaged over 12 months. | 05/01/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223303469 |  |  |  | 33362186 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-04-28): Non-warrantable confirmed. | 04/28/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A |  | N/A | No |
| 223303539 |  |  |  | 33347884 |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  |  | 05/05/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223303539 |  |  |  | 33347885 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.10575% is equal to or greater than the threshold of 8.87000%. |  |  |  |  |  | 05/05/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223303539 |  |  |  | 33347886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.03219% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of $[REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .03219%). |  |  |  |  |  | 05/05/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223303539 |  |  |  | 33410640 |  | 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 3.03219% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .03219%). |  |  |  |  |  |  |  | 05/05/2025 | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223303539 |  |  |  | 33410645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223303670 |  |  |  | 33359250 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | In-place leases not obtained. Seller exception approval provided for using market rents. Missing buyer credit exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-05-06): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 05/06/2025 | 2 C B |  | AZ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223306377 |  |  |  | 33357411 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-05-14): Received in trailing documents.<br>Seller Comment (2025-05-14): Comment from [REDACTED] ([REDACTED]): Card - front and back | 05/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223306377 |  |  |  | 33357473 |  | 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. | Loan designation failure due to QM failure. |  |  |  | Reviewer Comment (2025-04-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 04/30/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223306377 |  |  |  | 33357489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.09337% is equal to or greater than the threshold of 8.87000%. |  |  |  |  | Reviewer Comment (2025-04-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 04/30/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223306377 |  |  |  | 33357490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.71410% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .71410%). |  |  |  |  | Reviewer Comment (2025-04-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-04-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 04/30/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223306377 |  |  |  | 33386722 |  | 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 3.71410% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .71410%). |  |  |  |  | Reviewer Comment (2025-04-30): Client elects to waive. |  |  | 04/30/2025 | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223306377 |  |  |  | 33386723 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-05-06): Exception remains Open, EV2, informational.<br>Buyer Comment (2025-05-06): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223309465 |  |  |  | 33371211 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security Instrument Maturity Date was not provided |  |  |  |  |  | Reviewer Comment (2025-06-12): Received fully executed Corrective Addendum to the Security Instrument updating Maturity Date to [REDACTED].<br>Seller Comment (2025-06-12): Corrective docs | 06/12/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223310763 |  |  |  | 33398726 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-05-05): Received project approval attestation in trailing docs.<br>Seller Comment (2025-05-02): Comment from [REDACTED] ([REDACTED]): [REDACTED] MM: Please see attached condo docs. | 05/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223310763 |  |  |  | 33398738 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | Notary date not present, estimated consummation date used for testing purposes. |  |  |  | Reviewer Comment (2025-05-06): Exception remains Open, EV2, Informational.<br>Buyer Comment (2025-05-06): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223314667 |  |  |  | 33386123 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-06): Exception remains Open, EV2, informational.<br>Buyer Comment (2025-05-06): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223314705 |  |  |  | 33387824 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-05-05): Approval Received, exception Cleared<br>Seller Comment (2025-05-05): Comment from [REDACTED] ([REDACTED]): approval | 05/05/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223314705 |  |  |  | 33387885 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-06): Received in trailing documents.<br>Seller Comment (2025-05-05): Comment from [REDACTED] ([REDACTED]): Appraisal Receipt | 05/06/2025 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223314705 |  |  |  | 33387888 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-05-20): Ev2<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2<br>Reviewer Comment (2025-05-06): IEAD reflects an initial deposit of $29,108.90, Closing Disclosure reflects $[REDACTED].<br>Seller Comment (2025-05-05): Comment from [REDACTED] ([REDACTED]): IEADS and Cd match - taxes paid in two [REDACTED] installments. |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223314705 |  |  |  | 33387889 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-05): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-05): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 05/05/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223314705 |  |  |  | 33403527 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on XXXX have not been provided for review. Loan was reviewed to XX/XX/XXXX guidelines. XXXX references guidelines dated XX/XX/XXXX. Guideline updates must be provided to LRP directly for approval and upload to [REDACTED] , do not load to exception. A new XXXX reflecting the loan was qualified under XX/XX/XXXX guidelines required. |  |  |  | Reviewer Comment (2025-05-12): Correct and updated guidelines received and loaded for review. | 05/12/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223314705 |  |  |  | 33403841 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | (REDACTED) HELOC paid off at closing not a purchase money mortgage and considered cash out proceeds. | 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 [REDACTED]<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Current time on job 9 years | SitusAMC,Originator Pre-Close<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-26): Received exception approval, no indication approval by investor, investor review required<br>Seller Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Exception |  |  | 06/02/2025 | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223314705 |  |  |  | 33411092 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-05-20): EV2<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223339374 |  |  |  | 33419835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.01750% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or 1.01750%). |  |  |  |  | Reviewer Comment (2025-05-09): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-09): Comment from [REDACTED] ([REDACTED]): non-QM loan. Please re-test | 05/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223339374 |  |  |  | 33419836 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-05-09): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-09): Comment from [REDACTED] ([REDACTED]): non-QM loan. Please re-test | 05/09/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223339374 |  |  |  | 33422468 |  | 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. | H-8 form should have been used. |  |  |  | Reviewer Comment (2025-05-16): Received Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2025-05-16): Comment from [REDACTED] ([REDACTED]): Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened |  | 05/16/2025 |  | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223339374 |  |  |  | 33435870 |  | 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 4.01750% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of[REDACTED] (an overage of [REDACTED] or 1.01750%). |  |  |  |  | Reviewer Comment (2025-05-09): Client elects to waive. |  |  | 05/09/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223339374 |  |  |  | 33435871 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-05-20): Ev2<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223339381 |  |  |  | 33421624 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than 12 months prior to the note date. |  |  |  |  |  | Reviewer Comment (2025-05-12): Received corrected 1004, Exception Cleared<br>Seller Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): Typo corrected. | 05/12/2025 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223339381 |  |  |  | 33421627 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-05-12): Received corrected 1004, Exception Cleared<br>Seller Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): Typo corrected. | 05/12/2025 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223362126 |  |  |  | 33432210 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-05-12): Received in trailing documents.<br>Seller Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): approval attached | 05/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223362126 |  |  |  | 33432212 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223362126 |  |  |  | 33432215 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ |  |  |  |  | Reviewer Comment (2025-05-16): Borrower attestation of no insurance received.<br>Seller Comment (2025-05-16): Comment from [REDACTED] ([REDACTED]): LOE<br>Reviewer Comment (2025-05-14): Received documentation for Juniper, missing insurance verification for (REDACTED)<br>Seller Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): Attached | 05/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223362126 |  |  |  | 33432267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require 12 or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-05-15): Loan Designation restated. Compliance testing updated. | 05/15/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223362126 |  |  |  | 33432270 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-15): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-15): Comment from [REDACTED] ([REDACTED]): please restate as Non QM per (REDACT) on x/xx<br>Reviewer Comment (2025-05-12): Loan was submitted for review with a Loan Designation of Safe Harbor QM (APOR).<br>Buyer Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): Are you seeing the loan submitted as Non QM? | 05/15/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223362126 |  |  |  | 33469736 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223362162 |  |  |  | 33426780 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-20): EV2<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223362162 |  |  |  | 33438522 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR of .79 is less than investor minimum of 080. Investor consideration required. |  |  |  | Reviewer Comment (2025-05-20): Client accepts DSCR <.80.<br>Reviewer Comment (2025-05-12): Moved to buyer queue for approval and downgrade consideration.<br>Buyer Comment (2025-05-12): Comment from [REDACTED] ([REDACTED]): 5/12 AMB: Please note that the guidelines that were agreed upon between Long Run Partners and UWM allow for loans with a a DSCR below X.XX. DSCR of X.XX is acceptable for this product. | 05/20/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223364456 |  |  |  | 33444460 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Ineligible transaction per guidelines. Appraiser notes transaction is between relatives. Lender also notes NAL (Doc ID 0333), without additional supporting documentation or LOE. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-13): LRP approved exception provided. Compensating factors noted "High FICO, high reserves, 82 month clean mortgage history."<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Please see LRP exception approval. Thank you! |  |  | 05/13/2025 | 2 C B |  | AZ | Investment | Purchase | C B A |  | N/A | No |
| 223364526 |  |  |  | 33430013 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Articles of Organization/Formation Received, Exception Cleared<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Articles | 05/13/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223364526 |  |  |  | 33430014 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Good standing | 05/13/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223364526 |  |  |  | 33430015 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Received Corporate Resolution, Exception cleared.<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Resolution | 05/13/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223364526 |  |  |  | 33430016 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Guarantor Agreement Received, Exception Cleared<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Guaranty | 05/13/2025 |  |  | 1 D A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223364526 |  |  |  | 33430017 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-05-13): Operating Agreement Received, Exception Cleared<br>Seller Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Operating agreement | 05/13/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223364526 |  |  |  | 33444167 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Incomplete file submission. |  |  |  | Reviewer Comment (2025-05-14): Received in trailing documents.<br>Buyer Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Please revisit. The 1007 is being used for STR income calculation (XXXX X XXX% = $XXX. DSCR of XXX (XXX (XXX)).) Per guidelines, this is acceptable. Thank you! | 05/14/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A |  | N/A | No |
| 223367551 |  |  |  | 33434626 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-05-14): Full PITIA applied to borrower DTI. Income not used on this CCT loan.<br>Buyer Comment (2025-05-13): Comment from [REDACTED] ([REDACTED]): Borrower is not being qualified with any rental income from subject property. Full debt counted in DTI. Please clear and thank you! | 05/14/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223367566 |  |  |  | 33529068 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-06-05): Received in trailing documents.<br>Seller Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): property search no HOA Dues | 06/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223367566 |  |  |  | 33529110 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-06-06): Document received, Exception cleared<br>Seller Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): loan approval form<br>Reviewer Comment (2025-06-05): Received 1008. Approval document with loan details, program and document type required. For a securitization review, this is a required scope document.<br>Seller Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): 1008 attached | 06/06/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223367566 |  |  |  | 33529112 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business bank statement ([REDACTED] #[REDACTED]) for the month of [REDACTED] is not available in file |  |  |  | Reviewer Comment (2025-06-05): Received additional income documentation in trailing. Compliance testing updated.<br>Seller Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): Business Bank Statement for December 2024 | 06/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223367566 |  |  |  | 33529129 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-06-05): Received in trailing documents.<br>Seller Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): Paystub and W-2s | 06/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223367566 |  |  |  | 33529531 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-05): Received additional income documentation in trailing. Compliance testing updated. | 06/05/2025 |  |  | 1 B A C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223367566 |  |  |  | 33529533 |  | 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 9.38405% or Final Disclosure APR of 9.40200% is equal to or greater than the threshold of APOR 6.62% + 1.5%, or 8.12000%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 223367566 |  |  |  | 33529534 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-06-05): Received additional income documentation in trailing. Compliance testing updated. | 06/05/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223367573 |  |  |  | 33437853 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-09): Sufficient Cure Provided At Closing |  | 05/09/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223367573 |  |  |  | 33437860 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-20): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Higher - priced QM<br>Reviewer Comment (2025-05-14): LRP to request loan re-designation.<br>Buyer Comment (2025-05-14): Comment from [REDACTED] ([REDACTED]): LI 5/14 Please change the loan designation to rebuttable presumption | 05/20/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223367573 |  |  |  | 33488814 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223378781 |  |  |  | 33448882 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-20): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-20): Comment from [REDACTED] ([REDACTED]): Higher-priced QM loan<br>Reviewer Comment (2025-05-16): Received appraisal. Exception is unrelated to appraisal.<br>Seller Comment (2025-05-15): Comment from [REDACTED] ([REDACTED]): CT 5/15: Please see the attached Appraisal package. This loan is RP | 05/20/2025 |  |  | 1 B A C |  | MI | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223378781 |  |  |  | 33488800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223387309 |  |  |  | 33455042 |  | 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) ___. |  | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-19): Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Buyer Comment (2025-05-19): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade- FICO 20+ points over minimum and reserves are more than six months above program minimum. |  |  | 05/19/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223387309 |  |  |  | 33475319 |  | Credit | Consumer Loan | Document Error | Consumer Loan | Borrower does not have the minimum required trade lines per guidelines. |  | Borrower does not meet minimum tradelines. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-16): LRP exception approval provided. Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 05/16/2025 | 2 B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223388196 |  |  |  | 33487992 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): Received Employment Authorization Card<br>Seller Comment (2025-05-28): EAC | 05/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223388196 |  |  |  | 33523945 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC on person owning 19% of borrowing entity | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-06-06): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-29): Buyer to review, guidelines required aggregate of 100% to guaranty loan and guarantors require OFAC checks<br>Seller Comment (2025-05-28): members with less than 20% ownership are not required to guaranty the loan |  |  | 06/06/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223388196 |  |  |  | 33523948 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Missing on person owning 19% of borrowing entity | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-06-06): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-29): Buyer to review, guidelines required aggregate of 100% to guaranty loan and guarantors require background checks<br>Seller Comment (2025-05-28): members with less than 20% ownership are not required to guaranty the loan |  |  | 06/06/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223388196 |  |  |  | 33523952 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Missing on person owning 19% of borrowing entity; per guidelines 100% of owners of entity must provide guaranty | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-06-06): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-05-29): Buyer to review, guidelines required aggregate of 100% to guaranty loan<br>Seller Comment (2025-05-28): members with less than 20% ownership are not required to guaranty the loan |  |  | 06/06/2025 | 2 D B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223388196 |  |  |  | 33523961 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  |  |  |  |  | Reviewer Comment (2025-05-29): Received<br>Seller Comment (2025-05-28): CPL | 05/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223388196 |  |  |  | 33524046 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-05-29): received<br>Seller Comment (2025-05-28): cogs | 05/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223390346 |  |  |  | 33481325 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline name and effective date, used for loan qualifying is required to be in the loan file submission. Updated 1008 or other document required. |  |  |  | Reviewer Comment (2025-05-19): Received in trailing documents.<br>Seller Comment (2025-05-19): Comment from [REDACTED] ([REDACTED]): 1008 | 05/19/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223422064 |  |  |  | 33482692 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223422078 |  |  |  | 33485075 |  | 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 |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223422078 |  |  |  | 33520684 |  | 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 ___. | A lender exception approval is in file. Moved to [REDACTED] for waiver and downgrade consideration. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | High DSCR | Aggregator,SitusAMC | Reviewer Comment (2025-05-28): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-05-28): AMC - Plese waive down<br>Seller Comment (2025-05-28): Should this be sent to buyer? |  |  | 05/28/2025 | 2 C B |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223422085 |  |  |  | 33492592 |  | 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) ___. |  | Borrower's Experience/Track Record | Borrower has 10 acquisitions in past 18 months | SitusAMC,Originator,Aggregator | Reviewer Comment (2025-07-02): Waived and downgraded per (REDACTED) and [REDACTED] emails based on (REDACTED) commentary.<br>Buyer Comment (2025-07-02): AMC - Please waive down<br>Seller Comment (2025-07-02): Summary: <br> 1. conservative UW: mark to market DSCR calc >1.2 (attached)<br> 2. borrower history with (REDACTED): borrower has 3 PIF loans with (REDACTED), 2 loans in servicing now with perfect paystrings<br> 3. borrower history prior: 30 years experience in MS and TN, property list (attached) with acquisitions > 24 month lookback<br> 4. properties are fully leased with long term tenants and properties in strong condition<br>Seller Comment (2025-07-02): Borrower experience with multiple acquisitions / dispositions > 24 months lookback<br>Seller Comment (2025-07-02): Conservative UW: mark to market DSCR calc result in >XXX DSCR<br>Seller Comment (2025-07-01): Credit Exception<br>Reviewer Comment (2025-06-24): Third party property history reports received, however they reflect that most properties were recently acquired (not indicative of a comp factor). Please provide evidence of significant pay histories, evidence that a significant number of mortgages were paid off (exits), a third party document confirming a track record of managing rentals- for more than 24 months, or bank statements to confirm excess liquidity, etc. These are just examples of potential comp factors.<br>Seller Comment (2025-06-23): see attached third party verification of SREO ownership for comp factor<br>Reviewer Comment (2025-06-19): The list provided is an internal document (not third party source) and reflects that most properties were recently acquired (not indicative of a comp factor). Please provide evidence of significant pay histories, evidence that a significant number of mortgages were paid off (exits), a third party document confirming a track record of managing rentals- for more than 24 months, or bank statements to confirm excess liquidity, etc. These are just examples of potential comp factors.<br>Seller Comment (2025-06-18): please see attached experience sheet for comp factor<br>Reviewer Comment (2025-06-09): Moved to buyer queue. Compensating factors are not apparent in the loan file. Seller commentary states "[REDACTED] has approved the exception."<br>Seller Comment (2025-06-06): Please see the attached CAR<br>Reviewer Comment (2025-05-30): Moving back to seller queue until a resolution can be provided.<br>Seller Comment (2025-05-29): In process just came over today<br>Reviewer Comment (2025-05-28): Please provide documented comp factors so [REDACTED] can move this to [REDACTED] for waiver and downgrade consideration. A lender exception approval is in file, however comp factors do not appear to be documented as 70% LTV is the max allowed with a FICO under 700. |  |  | 07/02/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223427507 |  |  |  | 33505967 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-26): Re-stated designation<br>Buyer Comment (2025-05-23): Comment from [REDACTED] ([REDACTED]): Please retest to Higher Priced QM | 05/26/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223427507 |  |  |  | 33505968 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223427507 |  |  |  | 33505969 |  | 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 [REDACTED] incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on [REDACTED] incorrectly disclosed that property taxes were being escrowed on page 1, however, Section G on page 2 did not establish property taxes in the initial escrow payment setup. |  |  |  | Reviewer Comment (2025-06-06): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-05): Comment from [REDACTED] ([REDACTED]): Email to borrowers<br>Reviewer Comment (2025-06-05): [REDACTED] received [REDACTED] PCCD. Missing copy of LOE to borrower which accompanied this Corrected CD to finalize cure.<br>Seller Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): PCCD |  | 06/06/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223427507 |  |  |  | 33515978 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-stated designation |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223427521 |  |  |  | 33491923 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-05-27): Document received, Exception cleared<br>Seller Comment (2025-05-27): Comment from [REDACTED] ([REDACTED]): Coverage amount is on page 11<br>Reviewer Comment (2025-05-26): Policy not provided<br>Buyer Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Policy | 05/27/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427521 |  |  |  | 33492006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 01/08/2025 | SitusAMC,Aggregator | Reviewer Comment (2025-05-26): Inspection one day prior to end date shows no damage<br>Reviewer Comment (2025-05-26): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [REDACTED] <br> Disaster End Date: [REDACTED]<br> Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS<br> Disaster Declaration Date: [REDACTED]<br>Buyer Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Please see DOC ID 0614- no damage |  |  | 05/26/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427521 |  |  |  | 33492052 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Recording Fees were last disclosed as [REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-23): [REDACTED] received corrected PCCD & LOE.<br>Seller Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Final recording fees are [REDACTED] no cure required. Please see attached pccd. | 05/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223427521 |  |  |  | 33492053 |  | 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 Verification Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Verification Fee was last disclosed as [REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Please see final CD- lender credit for increase in cc's applied at closing | 05/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223427521 |  |  |  | 33492054 |  | 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 Disaster Inspection Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Disaster Inspection Fee was last disclosed as [REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Lender credit for increased cc's applied at closing | 05/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223427521 |  |  |  | 33498751 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable. See other exception. |  |  |  | Reviewer Comment (2025-05-21): Condo is non-warrantable. See other exception. | 05/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427521 |  |  |  | 33498761 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable. No master HOA insurance policy in place as required by CC&R's. HO3 policy will be obtained in lieu of master insurance policy. Investor approved (LRP) exception states " All credit paid as agreed, 12 years employment, reserves". | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-05-21): Exception approval provided, meets buyers waiver policy. |  |  | 05/21/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427521 |  |  |  | 33509204 |  | 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 Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223427521 |  |  |  | 33509205 |  | 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 Disaster Inspection Fee. Fee Amount of [REDACTED] exceeds tolerance of $[REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |  | 05/23/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223427543 |  |  |  | 33486392 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-05-23): Received Bank statement, exception cleared.<br>Seller Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Truist [REDACTED]- [REDACTED]K | 05/23/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427543 |  |  |  | 33497742 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427543 |  |  |  | 33498140 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-05-23): Received Bank statement, exception cleared.<br>Seller Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Truist [REDACTED]- [REDACTED]K | 05/23/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223427543 |  |  |  | 33498145 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-28): Received updated bank statement with sufficient funds in trailing docs.<br>Buyer Comment (2025-05-27): Comment from [REDACTED] ([REDACTED]): Please clear condition. The insufficient assets/reserves conditions were previously cleared. Thank you! | 05/28/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223427543 |  |  |  | 33498148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets located in file. |  |  |  | Reviewer Comment (2025-05-28): Received updated bank statement with sufficient funds in trailing docs.<br>Buyer Comment (2025-05-27): Comment from [REDACTED] ([REDACTED]): Please clear condition. The insufficient assets/reserves conditions were previously cleared. Thank you! | 05/28/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223431787 |  |  |  | 33493810 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-05-22): Condo is non-warrantable. See other exception.<br>Buyer Comment (2025-05-22): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0188 for condo warranty and Doc ID 0191 for condo questionnaire. Thank you! | 05/22/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223431787 |  |  |  | 33496903 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval in file for Condo project having Actual Cash Value coverage on roofs, replacement cost coverage is required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | 40% LTV | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-21): Lender exception approval provided meets policy waiver |  |  |  | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223431787 |  |  |  | 33502122 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Lien for [REDACTED] in favor of South Carolina Department of Revenue, no evidence of payoff |  |  |  | Reviewer Comment (2025-06-01): Received fully executed borrower affidavit in trailing documents.<br>Seller Comment (2025-05-29): Comment from [REDACTED] ([REDACTED]): Not Me affidavit for tax lien | 06/01/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223431787 |  |  |  | 33502125 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum score required for a cashout loan with DSCR between 1.0 < 1.09 is 680 | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>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. | 40% LTV | SitusAMC,Originator Pre-Close,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-02): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 06/02/2025 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223431866 |  |  |  | 33502561 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED] |  |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223431866 |  |  |  | 33506913 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The subject property is a non-warrantable condo. |  |  |  | Reviewer Comment (2025-05-22): Condo is non-warrantable. See other exception. | 05/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223431866 |  |  |  | 33506927 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a lender approved exception in the loan file for non-warrantable condo due to Ordinance and Law Coverage A missing. Approved investor exception (LRP) in file states "Borrower has a good credit with 807 fico; residual income of [REDACTED] and 34 months verified reserves." | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-05-22): Exception approval provided, meets buyers waiver policy. |  |  | 05/22/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223431884 |  |  |  | 33498252 |  | 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) ___. | Lender exception request in loan file for DSCR, stating lease has been obtained for [REDACTED] (lease was not provided for review). Investor consideration required | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-01): Investor exception approval provided for [REDACTED] score to 80% LTV with DSCR < 1.0<br>Buyer Comment (2025-05-27): Comment from [REDACTED] ([REDACTED]): The exception approval is for the DSCR of less than 1 using the market rent on the 1007. The exception approval did not require review of the lease, please revisit<br>Reviewer Comment (2025-05-27): DSCR of .91 is using market rent of $[REDACTED]; DSCR of .[REDACTED] does not meet minimum of 1.0<br>Buyer Comment (2025-05-23): Comment from [REDACTED] ([REDACTED]): Investor exception approval did not require review of the lease. The DSCR was approved using the 1007 market rent. |  |  | 06/01/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223431884 |  |  |  | 33511793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower on mortgage is not same as borrowers on note, appears only co-borrower is vested per mortgage, title, and deed - guidelines do not address if all borrowers must be on title. |  |  |  | Reviewer Comment (2025-06-01): Guidelines allow for FNMA overlay, meets FNMA<br>Reviewer Comment (2025-05-27): FNMA doesn't address business purpose loans<br>Buyer Comment (2025-05-23): Comment from [REDACTED] ([REDACTED]): Guidelines defer to FNMA | 06/01/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223431884 |  |  |  | 33511832 |  | 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 ___. | LTV exceeds max due to credit score; investor exception approval provided | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Investor approved per exception form provided |  |  | 05/23/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223431884 |  |  |  | 33511833 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | CLTV exceeds max due to credit score; investor exception approval provided | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-23): Investor approved per exception form provided |  |  | 05/23/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 223441636 |  |  |  | 33508224 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [REDACTED] bank statement ending in [REDACTED] for [REDACTED] is missing |  |  |  | Reviewer Comment (2025-05-30): Received Bank statement, exception cleared.<br>Seller Comment (2025-05-29): Comment from [REDACTED] ([REDACTED]): IL bank & [REDACTED] Feb statement | 05/30/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223441636 |  |  |  | 33508402 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-05-27): Re-stated designation<br>Buyer Comment (2025-05-23): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 05/27/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223441636 |  |  |  | 33520132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-stated designation |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223457341 |  |  |  | 33524006 |  | 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 4.54832% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.54832%). |  |  |  |  | Reviewer Comment (2025-05-28): Client elects to waive. |  |  | 05/28/2025 | 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 |
| 223457341 |  |  |  | 33524008 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223457341 |  |  |  | 33524009 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |  | 05/27/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223457344 |  |  |  | 33524001 |  | 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 Non QM. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2025-06-01): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-29): Comment from [REDACTED] ([REDACTED]): Please retest to Non-QM | 06/01/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223457344 |  |  |  | 33524002 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.12294% is equal to or greater than the threshold of 8.99000%. | QM APR on subject loan of 9.12294% is equal to or greater than the threshold of 8.99000%. |  |  |  | Reviewer Comment (2025-06-01): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-29): Comment from [REDACTED] ([REDACTED]): Please retest to non QM | 06/01/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223457344 |  |  |  | 33524003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/[REDACTED]) |  |  |  | Reviewer Comment (2025-06-04): [REDACTED] received Seller CD and settlement statement confirming no sellelr paid fees on transaction.<br>Seller Comment (2025-06-03): Comment from [REDACTED] ([REDACTED]): Seller CD with FSS | 06/04/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223457344 |  |  |  | 33546622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223457362 |  |  |  | 33546916 |  | 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 4.23113% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.23113%). |  |  |  |  | Reviewer Comment (2025-06-03): Client elects to waive. |  |  | 06/03/2025 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223459000 |  |  |  | 33529493 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-06-01): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-05-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 06/01/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223459000 |  |  |  | 33529495 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-06-02): Received Third Party Verification of Employment, exception cleared.<br>Seller Comment (2025-05-30): Comment from [REDACTED] ([REDACTED]): VOE | 06/02/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223459000 |  |  |  | 33546621 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-06-02): Remains Open, EV2.<br>Buyer Comment (2025-06-02): Comment from [REDACTED] ([REDACTED]): Cleared - Immaterial EV2 |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223459272 |  |  |  | 33530368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Number of Bank Statements Requirement not met | General QM: The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | [REDACTED] to [REDACTED] statement is missing |  |  |  | Reviewer Comment (2025-06-09): Received confirmation of time periods for statements used for qualifying. Data and compliance testing updated.<br>Buyer Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): Guidelines require 12 months of bank statements which are included in the closed loan package. The UW worksheet shows last bank statement end date of [REDACTED] for income calculation, calculation based on 12 months of bank statements- the March 6 through [REDACTED] statement is not required- Age of documentation is met. Guidelines are met. Please revisit<br>Reviewer Comment (2025-06-05): [REDACTED] to [REDACTED] statement not provided in loan submission. Please load to exception or provide Doc ID.<br>Buyer Comment (2025-06-03): Comment from [REDACTED] ([REDACTED]): Please cancel condition, statements provided are as follows: <br> 1) [REDACTED]-[REDACTED]<br> 2) [REDACTED]-[REDACTED]<br> 3) [REDACTED]-[REDACTED]<br> 4) [REDACTED]-[REDACTED]<br> 5) [REDACTED]-[REDACTED]<br> 6) [REDACTED]-[REDACTED]<br> 7) [REDACTED]-[REDACTED]<br> 8) [REDACTED]-[REDACTED]<br> 9) [REDACTED]-[REDACTED]<br> 10) [REDACTED]-[REDACTED]<br> 11) [REDACTED]-[REDACTED]<br> 12) [REDACTED]-[REDACTED]<br> 12 months statements are present as required. | 06/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223459272 |  |  |  | 33530372 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-06-10): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-10): Comment from [REDACTED] ([REDACTED]): Please retest to Higher Priced QM<br>Reviewer Comment (2025-06-09): EXCEPTION HISTORY - Exception Detail was updated on [REDACTED] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Reviewer Comment (2025-06-05): Loan cannot be re-stated to QM (APOR) Fail. Compliance testing to be updated upon receipt of missing bank statement.<br>Buyer Comment (2025-06-05): Comment from [REDACTED] ([REDACTED]): please restate the loan to match due diligence | 06/10/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223459272 |  |  |  | 33530373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-06-11): [REDACTED] received lender attestation regarding title-tax research & bank short sale fees which are not fin chgs.<br>Seller Comment (2025-06-10): Comment from [REDACTED] ([REDACTED]): Memo | 06/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223459272 |  |  |  | 33530374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-06-11): [REDACTED] received lender attestation regarding title-tax research & bank short sale fees which are not fin chgs.<br>Seller Comment (2025-06-10): Comment from [REDACTED] ([REDACTED]): Memo | 06/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223459272 |  |  |  | 33530385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-06-09): Received confirmation of time periods for statements used for qualifying. Data and compliance testing updated. | 06/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223459272 |  |  |  | 33616944 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223464730 |  |  |  | 33533664 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  |  |  |  |  | Reviewer Comment (2025-06-05): Meets guidelines.<br>Buyer Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): The most recent bank statements covering 60 days were provided at time of application ([REDACTED]) The age of documents is 120 days, and the bank statements are w/in 120 days at time of closing. Please revisit.<br>Reviewer Comment (2025-06-03): Per guidelines: Most recent asset statements covering 60 days. Account provided is not the most recent.<br>Buyer Comment (2025-06-03): Comment from [REDACTED] ([REDACTED]): Please see page 4 of the guidelines-Age of documentation is 120 days | 06/05/2025 |  |  | 1 C A |  | KS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223464763 |  |  |  | 33541799 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing verification of rental payment housing history documented via bank statements for the most recent 12 month history. |  |  |  | Reviewer Comment (2025-06-05): Received in trailing documents.<br>Seller Comment (2025-06-03): Comment from [REDACTED] ([REDACTED]): 6/3 AMB: Please see the attached documentation confirming the 12 months rent payments for the borrower's previous housing history. | 06/05/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C A | Non QM | Non QM | No |
| 223464764 |  |  |  | 33555996 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-06-03): Received UCDP Submission Summary Report, exception cleared.<br>Seller Comment (2025-06-03): Comment from [REDACTED] ([REDACTED]): 6/3 AMB: Please see the attached SSR report confirming that the loan is eligible for collateral representation and warranty relief, and reflecting a LCA Risk score of [REDACTED]. This is acceptable as a secondary valuation confirmation. | 06/03/2025 |  |  | 1 D A |  | AL | Primary | Purchase | D A | Non QM | Non QM | No |
| 223464764 |  |  |  | 33556920 |  | 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 [REDACTED]exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | 06/02/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223468992 |  |  |  | 33539547 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-05): Document received, Exception cleared<br>Seller Comment (2025-06-05): Comment from [REDACTED] ([REDACTED]): Condo Warranty | 06/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223468992 |  |  |  | 33564362 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seller to provide written confirmation of guideline name and effective date, used for loan qualifying. |  |  |  | Reviewer Comment (2025-06-05): Received in trailing documents.<br>Seller Comment (2025-06-05): Comment from [REDACTED] ([REDACTED]): 1008 | 06/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223469323 |  |  |  | 33554613 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-06-04): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 06/04/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223469323 |  |  |  | 33563471 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-05): Document received, Exception cleared<br>Seller Comment (2025-06-05): Comment from [REDACTED] ([REDACTED]): Condo Warranty | 06/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223469323 |  |  |  | 33574774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223469380 |  |  |  | 33547753 |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-06-04): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 06/04/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223469380 |  |  |  | 33547754 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.22130% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total[REDACTED] on a Federal Total Loan Amount of [REDACTED]vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .22130%). |  |  |  |  | Reviewer Comment (2025-06-04): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-04): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 06/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33547828 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title policy amount is not provided. |  |  |  | Reviewer Comment (2025-06-06): Document received, Exception cleared<br>Seller Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): commitment and supplement | 06/06/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33562713 |  | 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.) |  |  |  |  | Reviewer Comment (2025-07-12): Received third-party verification of business ownership. Compliance testing updated. | 07/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33562726 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a CPA letter or similar documentation to verify the borrower's ownership stake in the business. |  |  |  | Reviewer Comment (2025-07-12): Received third-party verification of business ownership. Compliance testing updated.<br>Seller Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): Bank Letter sole signor and owner of account<br>Reviewer Comment (2025-06-13): Documentation provided (Bank Signature Card) confirms borrower is an authorized individual on the account. This is not "a letter from the bank confirming the borrower is the only owner of the account" required per guidelines. CPA letter or similar documentation to verify the borrower's ownership stake in the business has not been provided.<br>Seller Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): LOE<br>Reviewer Comment (2025-06-09): Received Bank Signature Authorization. Document provided confirms borrower title and ability to sign checks. This document does not confirm number of shares owned by the borrower.<br>Seller Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): [REDACTED] Business Signature Card-Borrower is the only | 07/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33562734 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Income documentation is missing from the file. |  |  |  | Reviewer Comment (2025-07-12): Received third-party verification of business ownership. Compliance testing updated. | 07/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33562736 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing a CPA letter or similar documentation to verify the borrower's ownership stake in the business. |  |  |  | Reviewer Comment (2025-07-12): Received third-party verification of business ownership. Compliance testing updated.<br>Seller Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): Bank Letter sole signor and owner of account<br>Reviewer Comment (2025-06-13): Documentation provided (Bank Signature Card) confirms borrower is an authorized individual on the account. This is not "a letter from the bank confirming the borrower is the only owner of the account" required per guidelines. CPA letter or similar documentation to verify the borrower's ownership stake in the business has not been provided.<br>Seller Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): LOE<br>Reviewer Comment (2025-06-09): Received Bank Signature Authorization. Document provided confirms borrower title and ability to sign checks. This document does not confirm number of shares owned by the borrower.<br>Seller Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): [REDACTED] Business Signature Card-Borrower is the only | 07/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223469380 |  |  |  | 33574901 |  | 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 3.22130% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .22130%). |  |  |  |  | Reviewer Comment (2025-06-09): Client elects to waive. |  |  | 06/09/2025 | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223469380 |  |  |  | 33574902 |  | 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. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-07-12): Received third-party verification of business ownership. Compliance testing updated. | 07/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223469380 |  |  |  | 33916409 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Received third-party verification of business ownership. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223482827 |  |  |  | 33577264 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2025-06-06): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-06): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 06/06/2025 |  |  | 1 B A C |  | IA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223482827 |  |  |  | 33595954 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223497650 |  |  |  | 33615495 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | There appears to be no Operating Agreement for the borrowing entity and the Middesk Data report does not identify the members of the LLC. Formation docs that were filed with the state are needed to validate that the Guarantor is the sole member given the fact that no OA appears to exist. |  |  |  | Reviewer Comment (2025-07-17): Received Articles of Organization/Formation, Exception cleared.<br>Seller Comment (2025-07-17): uploaded formation doc<br>Reviewer Comment (2025-06-13): Moved to [REDACTED] for waiver and downgrade consideration. The documents that were filed with the state upon formation are not in file and the (REDACTED) data does not appear sufficient given the lack of a typical Operating Agreement.<br>Seller Comment (2025-06-12): Its titled Single (REDACTED) Authorization Resolution, Signed [REDACTED] - [REDACTED] Sole Member. While this is not a typical, full Op Agreement but more of a resolution to borrow, Auth to sign, and that member is manager it does confirm that (REDACTED) is the sole member. and it was executed in [REDACTED] within 60 days of Formation<br>Reviewer Comment (2025-06-10): There appears to be no Operating Agreement for the borrowing entity and the (REDACTED) Data report does not identify the members of the LLC. Formation docs that were filed with the state are needed to validate that the Guarantor is the sole member given the fact that no OA appears to exist. | 07/17/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223497650 |  |  |  | 33615507 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please either provide the Operating Agreement that exists or provide confirmation directly from the member that one does not exist. The borrowing authorization in file which was created for a different lender (Spring Garden Lending Group) is not sufficient. |  |  |  | Reviewer Comment (2025-07-18): Guidelines have been met per the trailing documents.<br>Seller Comment (2025-07-17): uploaded confirmation of no OA<br>Reviewer Comment (2025-06-13): Moved to [REDACTED] for waiver and downgrade consideration. The trailing document which is being considered by (REDACTED) as an Operating Agreement appears to be specific to and references [REDACTED]. Given this and the related contingencies [REDACTED] is not considering this an Operating Agreement.<br>Seller Comment (2025-06-12): The borrowing authorization does not mention [REDACTED]. Uploaded OA. This Same Documentation was used on another Rental loan the Previous Month. While this is not a typical, full Op Agreement but more of a resolution to borrow, Auth to sign, and that member is manager it does confirm that (REDACTED) is the sole member. and it was executed in [REDACTED] within 60 days of Formation<br>Reviewer Comment (2025-06-12): The borrowing authorization included in trailing docs was created for a different lender ([REDACTED]), is specific to this other lender and is not sufficient. Please either provide the Operating Agreement that exists or provide confirmation directly from the member that one does not exist.<br>Seller Comment (2025-06-11): Uploaded OA | 07/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223497687 |  |  |  | 33588819 |  | 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) ___. |  | The Loan to Cost (LTC) on the loan is less than the guideline maximum. | Low LTV | SitusAMC,Aggregator | Reviewer Comment (2025-06-12): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-06-12): AMC - Please waive down<br>Reviewer Comment (2025-06-11): Moved to [REDACTED] for waiver and downgrade consideration. A lender exception approval is in file noting a comp factor of low LTV. |  |  | 06/12/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223507039 |  |  |  | 33590162 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received PDI report, Exception cleared.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): [REDACTED] SW PDI attached. | 06/24/2025 |  |  | 1 C A |  | KY | Investment | Purchase | C A |  | N/A | No |
| 223507410 |  |  |  | 33600359 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-22): Received appraisal delivery confirmation in trailing. Compliance testing updated. | 07/22/2025 |  |  | 1 B A |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 33600360 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.74109% or Final Disclosure APR of 8.74600% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-07-22): Received appraisal delivery confirmation in trailing. Compliance testing updated.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): GL - [REDACTED] appraisal was sent to borrower and delivered on [REDACTED]. The [REDACTED] appraisal was sent and delivered 5/20. See attached tracking information for each<br>Reviewer Comment (2025-07-08): Remains non-Compliant due to appraisal delivery requirements not being met.<br>Buyer Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-12): Loan submitted for review as Safe Harbor QM (APOR).<br>Buyer Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): CT 6/11: Bank Statement not subject to QM. Please see the attached Appraisal Delivery package dated 5-19 | 07/22/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 33600361 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-22): Received appraisal delivery confirmation in trailing. Compliance testing updated.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): GL - see attached<br>Reviewer Comment (2025-06-12): Appraisal delivery not provided.<br>Buyer Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): CT 6/11: Bank Statement not subject to QM. Please see the attached Appraisal Delivery package dated 5-19 | 07/22/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 33600363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.24967% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .24967%). |  |  |  |  | Reviewer Comment (2025-07-08): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-12): Loan submitted for review as Safe Harbor QM (APOR).<br>Buyer Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): CT 6/11: Bank Statement not subject to QM. Please see the attached Appraisal Delivery package dated 5-19 | 07/08/2025 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 33600366 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-08): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-12): Loan submitted for review as Safe Harbor QM (APOR).<br>Seller Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): CT 6/11: Bank Statement not subject to QM. Please see the attached Appraisal Delivery package dated 5-19 | 07/08/2025 |  |  | 1 B A C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223507410 |  |  |  | 33600367 |  | 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. | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-06-12): [REDACTED] received [REDACTED] CD, received 3 business days prior to consummation.<br>Seller Comment (2025-06-11): Comment from [REDACTED] ([REDACTED]): CT 6/11: Please see the attached CD | 06/12/2025 |  |  | 1 C A |  | IN | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 33600369 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Lender Credits were last disclosed as [REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-09): [REDACTED] Received CD along with rate lock.<br>Seller Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): TF 7/9 Disagree: The initial LE that was issued on 5/9 was floating. On 5/19 the loan locked with Lender Credit of -$[REDACTED]and disclosed a CD to the borrower. Please see attached redisclosed CD, Lock Confirmation, and Final CD. | 07/09/2025 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223507410 |  |  |  | 33868571 |  | 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 3.24967% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED]or .24967%). |  |  |  |  | Reviewer Comment (2025-07-08): Client elects to waive. |  |  | 07/08/2025 | 2 B |  | IN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223507410 |  |  |  | 33868572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223507410 |  |  |  | 34013079 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223512389 |  |  |  | 33604820 |  | 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 4.98674% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.98674%). |  |  |  |  | Reviewer Comment (2025-06-11): Client elects to waive. |  |  | 06/11/2025 | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223536585 |  |  |  | 33615036 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is mandatory as per the guideline, |  |  |  | Reviewer Comment (2025-04-08): Received<br>Buyer Comment (2025-04-01): Attached<br>Reviewer Comment (2025-03-29): Guidelines indicate a background check is required on FN, even if no results are returned. Document provided is not dated to determine it was obtained within 90 days of Note date.<br>Buyer Comment (2025-03-28): Both of these borrowers are foreign nationals, loan was priced/treated as such. OFAC is in file - please clear<br>Buyer Comment (2025-03-24): Nothing found | 04/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536585 |  |  |  | 33615037 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is mandatory as per the guideline, |  |  |  | Reviewer Comment (2025-04-08): Received<br>Buyer Comment (2025-04-01): see attached<br>Reviewer Comment (2025-03-29): Documents are required to be dated no more than 90 days from Note date. Documents provided are not dated.<br>Buyer Comment (2025-03-28): Borrower is a foreign national, loan was treated as such. No background was returned - please clear<br>Buyer Comment (2025-03-24): Nothing Found | 04/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536585 |  |  |  | 33615038 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD or CD is not provided in the file however provided one is 30 prior to the note date will not considered as a final. |  |  |  | Reviewer Comment (2025-04-03): Final HUD1 received in trailing docs.<br>Buyer Comment (2025-03-31): Final HUD Attached - please clear<br>Reviewer Comment (2025-03-29): Document uploaded is cut off on the right side. Please provide complete final HUD or settlement statement for subject transaction.<br>Buyer Comment (2025-03-21): Attached | 04/03/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536591 |  |  |  | 33615051 |  | Credit | Investment Product | General | Investment Product | Total Property Loan Amounts does not equal the original loan amount. |  | The Security Instrument Schedule C reflects total loan amount of[REDACTED]; however, the Note amount is [REDACTED]. |  |  |  | Reviewer Comment (2025-04-16): Corrected Schedule C provided.<br>Buyer Comment (2025-04-11): see attached executed by both lender and borrower<br>Reviewer Comment (2025-04-11): First Amendment to Security instrument received in trailing documents; however, it is not executed by the Lender. Please provide fully executed amendment for review of the condition. Please also note, as this is an amendment to the original documents, condition will be cleared, but we are unable to cancel based on amended documents.<br>Buyer Comment (2025-04-08): Please look at page 3 on the bottom corrected table. The corrected "total allocated loan amount" is $[REDACTED]. Please cancel this condition<br>Buyer Comment (2025-04-08): Schedule C attached<br>Buyer Comment (2025-04-08): Attached revised Schedule C<br>Reviewer Comment (2025-04-08): Schedule C of the security instrument "Release Amounts for Mortgage Properties" under "Allocated Loan Amount" equals $[REDACTED]; however, total loan amount per Note and Loan Agreement is $[REDACTED].<br>Buyer Comment (2025-04-04): Loan amount on HUD shows $[REDACTED]; Loan Agreement also shows loan amount of $[REDACTED]; Commercial Promissory note reflects loan amount of $[REDACTED]- please clear | 04/16/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536591 |  |  |  | 33615053 |  | Credit | Business Purpose | General | Business Purpose | The sum of the Property Loan Amounts for listed properties exceeds the Loan Amount |  | The Security Instrument Schedule C reflects total loan amount of [REDACTED]; however, the Note amount is [REDACTED]. |  |  |  | Reviewer Comment (2025-04-16): Corrected Schedule C provided.<br>Buyer Comment (2025-04-08): Please cancel this condition, this is a trailing document<br>Reviewer Comment (2025-04-08): Received first amendment to security instrument correcting allocated loan amounts; however, please provide notice of intent to record from the settlement agent for this document for review.<br>Buyer Comment (2025-04-07): Corrected allocation table Attached | 04/16/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536591 |  |  |  | 33615054 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The hazard insurance policy effective date is [REDACTED] which is after the note date of [REDACTED] for the following properties: [REDACTED] and both properties located on XXXX. |  |  |  | Reviewer Comment (2025-04-08): Received HOI<br>Buyer Comment (2025-03-31): Prior policy information attached - please clear | 04/08/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536599 |  |  |  | 33615075 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file is missing the final executed HUD. |  |  |  | Reviewer Comment (2025-04-23): Final executed HUD provided.<br>Buyer Comment (2025-04-18): Signed HUD | 04/23/2025 |  |  | 1 D A |  |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223536604 |  |  |  | 33615082 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check for guarantor is missing in the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: X.XX<br> Guideline Requirement: X.XX | Originator,SitusAMC | Reviewer Comment (2025-05-09): Waived with compensating factors per lender direction.<br>Buyer Comment (2025-05-06): Background presented [REDACTED]. Unable to obtain date of pull when there is no data available. Underwritten with a [REDACTED] DSCR at [REDACTED]% LTV. Please waive.<br>Reviewer Comment (2025-05-02): The document provided is not dated to determine it was obtained at or prior to consummation. If client is accepting this document, they can request to waive; however, we would not be able to clear with an undated document.<br>Buyer Comment (2025-04-29): Background Check - No Results Found<br>Reviewer Comment (2025-04-26): Document provided is not dated to determine when it was obtained. Guidelines state a background check is required on FN borrower, even if no results are returned.<br>Buyer Comment (2025-04-21): Borrower is a foreign national. no background results were found |  |  | 05/09/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223536604 |  |  |  | 33615084 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file. |  |  |  | Reviewer Comment (2025-05-09): OFAC provided.<br>Buyer Comment (2025-05-06): OFAC for Entity Uploaded<br>Buyer Comment (2025-05-06): OFAC Uploaded<br>Reviewer Comment (2025-04-26): Document received is not dated to determine when it was obtained.<br>Buyer Comment (2025-04-21): Report attached | 05/09/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223536610 |  |  |  | 33615092 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | File is missing background check for guarantor. |  |  |  | Reviewer Comment (2025-04-30): Provided background.<br>Buyer Comment (2025-04-25): No Results found when searching for Background (see attached) | 04/30/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536614 |  |  |  | 33615097 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Background Check is missing for Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 450.60<br> Guideline Requirement: 6.00 | Originator,SitusAMC | Reviewer Comment (2025-05-09): Waived with compensating factors per lender direction.<br>Buyer Comment (2025-05-06): Background presented [REDACTED]. Unable to obtain date of pull when there is no data available. Underwritten with a [REDACTED] DSCR at [REDACTED]% LTV and borrower has $[REDACTED] in liquid assets. Please waive.<br>Reviewer Comment (2025-05-02): Document provided is not dated to determine it was obtained prior to consummation.<br>Buyer Comment (2025-04-29): Background Check - No Results Found |  |  | 05/09/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223536620 |  |  |  | 33615126 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Documentation to verify if the property is a warrantable condo is missing. |  |  |  | Reviewer Comment (2025-05-19): HOA Questionnaire provided.<br>Buyer Comment (2025-05-13): Condo Questionnaire uploaded | 05/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223536620 |  |  |  | 33615131 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-05-19): HOA Questionnaire provided.<br>Buyer Comment (2025-05-13): Condo Questionnaire uploaded | 05/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223538289 |  |  |  | 33625912 |  | 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 |  | AZ | Investment | Purchase | B A |  | N/A | No |
| 223541808 |  |  |  | 33659638 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received Gift Letter, Exception cleared. | 06/24/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33659667 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-24): Received in trailing documents.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): appraisal / valuation disclosure | 06/24/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33659669 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR) |  |  |  | Reviewer Comment (2025-06-18): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 06/18/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223541808 |  |  |  | 33659670 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  | Reviewer Comment (2025-06-24): Received in trailing documents.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): acknowledgment | 06/24/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33659671 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. |  |  |  |  | Reviewer Comment (2025-07-02): Remains Open, EV2, Informational. Nothing additional required.<br>Buyer Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): grade 2 - not action necessary per investor<br>Reviewer Comment (2025-06-24): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure not provided.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): borrower disc/ disclosure tracking |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33693965 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter for [REDACTED] is required by AUS and is missing from the file. |  |  |  | Reviewer Comment (2025-06-24): Received Gift Letter, Exception cleared.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): gift letter | 06/24/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33693966 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of gift funds of [REDACTED] is required by AUS and is missing from the file. |  |  |  | Reviewer Comment (2025-06-27): Received Wire Transfer letter, Exception cleared.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): wire [REDACTED] | 06/27/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223541808 |  |  |  | 33697189 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-07-02): Remains Open, EV2, Informational. Nothing additional required.<br>Buyer Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): per investor no action necessary on grade 2 |  |  |  | 2 A B |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223553737 |  |  |  | 33654354 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-12): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-08-07): Uploaded Guaranty Agreement is executed after Post close to Note date & required signed on Note date, exception remains.<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Guaranty |  |  | 08/12/2025 | 2 D B |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223553741 |  |  |  | 33671481 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. |  | Missing evidence of Guarantors membership percentage. Operating Agreement and Corporate Resolution does not reflect percentage required per guidelines. |  |  |  | Reviewer Comment (2025-07-02): Document Received, Exception Cleared<br>Seller Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): Operating Agreement update | 07/02/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223554028 |  |  |  | 33649511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [REDACTED] are overdisclosed. | Borrowers signed an escrow waiver at closing. Final CD incorrectly disclosed on page 4 that an escrow account was established for this loan. |  |  |  | Reviewer Comment (2025-06-25): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD and LOE correcting page 4 to escrow waived has <br> been uploaded for your review. Thank you |  | 06/25/2025 |  | 2 C B |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223554028 |  |  |  | 33649512 |  | 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 [REDACTED] are underdisclosed. | Borrowers signed an escrow waiver at closing. Final CD incorrectly disclosed on page 4 that an escrow account was established for this loan. |  |  |  | Reviewer Comment (2025-06-25): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD and LOE correcting page 4 to escrow waived has <br> been uploaded for your review. Thank you |  | 06/25/2025 |  | 2 C B |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223554028 |  |  |  | 33649513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller CD is missing |  |  |  | Reviewer Comment (2025-06-19): [REDACTED] received Seller CD.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): Seller CD uploaded | 06/19/2025 |  |  | 1 C A |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223554028 |  |  |  | 33649514 |  | 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 [REDACTED] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [REDACTED] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-06-25): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD and LOE correcting page 4 to escrow waived has <br> been uploaded for your review. Thank you |  | 06/25/2025 |  | 2 C B |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223554028 |  |  |  | 33649515 |  | 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 [REDACTED] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [REDACTED] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2025-06-25): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD and LOE correcting page 4 to escrow waived has <br> been uploaded for your review. Thank you |  | 06/25/2025 |  | 2 C B |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223555000 |  |  |  | 33653734 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-06-18): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/18/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555000 |  |  |  | 33653735 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-06-18): Received Vacation Rental Website Listing, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/18/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555000 |  |  |  | 33653736 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-06-18): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/18/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555000 |  |  |  | 33676817 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify guarantor's percentage of ownership in borrowing entity. |  |  |  | Reviewer Comment (2025-06-24): Received in trailing documents.<br>Seller Comment (2025-06-24): Comment from [REDACTED] ([REDACTED]): 50% ownership | 06/24/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555033 |  |  |  | 33655051 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-06-19): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AIrDNA | 06/19/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555033 |  |  |  | 33655053 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  |  |  |  |  | Reviewer Comment (2025-06-19): Received Vacation Rental Website Listing, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/19/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555033 |  |  |  | 33655054 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-06-19): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/19/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555033 |  |  |  | 33680163 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Unable to calculate DSCR due to missing information. |  |  |  | Reviewer Comment (2025-06-24): Data and DSCR updated.<br>Buyer Comment (2025-06-20): Comment from [REDACTED] ([REDACTED]): Please revisit. The AirDNA report reflects income of $[REDACTED], divided by 12 = $[REDACTED]X [REDACTED]% = $[REDACTED]. DSCR is [REDACTED] using a PITIA of $[REDACTED] (with taxes verified in the file of $[REDACTED]/mo on the tax cert and 1004). Even if the PITIA of $[REDACTED] were used from the 1008 with higher taxes, the DSCR would be [REDACTED] and still meet guideline requirements. Thank you!<br>Reviewer Comment (2025-06-19): There is still DSCR deviation & Tax amount differs from the worksheet provided, exception remains.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): AirDNA | 06/24/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223555481 |  |  |  | 33680363 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business Purpose Certificate missing Notary stamp. |  |  |  | Reviewer Comment (2025-06-18): Received in trailing documents.<br>Seller Comment (2025-06-18): Comment from [REDACTED] ([REDACTED]): attached | 06/18/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
| 223562227 |  |  |  | 33682720 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Address: [REDACTED] |  |  |  |  | Reviewer Comment (2025-06-25): Received Hazard Insurance, Exception cleared.<br>Seller Comment (2025-06-25): Uploaded | 06/25/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562227 |  |  |  | 33682747 |  | 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) ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-21): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Seller Comment (2025-07-03): Seller requests buyer review: Seeking an exception. Borrower is experienced operator with 30+ rentals owned and rehabbed. Borrower earns [REDACTED]+ annually with ~[REDACTED] of that being rental income. Borrower has [REDACTED]+ of liquidity. |  |  | 07/21/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562227 |  |  |  | 33682748 |  | 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 ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-21): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Seller Comment (2025-07-03): Seller requests buyer review: Seeking an exception. Borrower is experienced operator with 30+ rentals owned and rehabbed. Borrower earns [REDACTED]+ annually with ~[REDACTED] of that being rental income. Borrower has [REDACTED]+ of liquidity. |  |  | 07/21/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562227 |  |  |  | 33710826 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | Delayed Purchase Refinance. Missing for both properties. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-21): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Seller Comment (2025-07-03): Seller requests buyer review: We cannot obtain the purchase HUD. The broker informed us these were done through their Hong Kong based lawyer and not a US-based title company. So the seller statement is all that we can obtain at this time.<br>Reviewer Comment (2025-06-26): Received seller's statement. Missing buyer's Final Settlement Statement.<br>Seller Comment (2025-06-25): uploaded |  |  | 07/21/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562227 |  |  |  | 33710828 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Delayed Purchase Refinance. |  |  |  | Reviewer Comment (2025-06-26): Cleared following additional review. Guidelines do not require.<br>Reviewer Comment (2025-06-26): Subject is delayed purchase refinance. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): There is no guideline requirement to source funds for initial purchase that occurred prior to Dominion's origination of a new loan. | 06/26/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562257 |  |  |  | 33712019 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  |  |  |  |  | Reviewer Comment (2025-06-27): Foreign National.<br>Seller Comment (2025-06-27): This borrower is a foreign national and does not have a SSN so we cannot pull a background report | 06/27/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223562264 |  |  |  | 33739683 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Delayed purchase refinance. |  |  |  | Reviewer Comment (2025-06-26): Cleared following additional review. Guidelines do not require.<br>Reviewer Comment (2025-06-26): Received HUD-1. Asset documentation not provided. Subject is delayed purchase refinance. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-25): uploaded | 06/26/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562264 |  |  |  | 33739800 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount does not meet minimum set by investor. Moved to buyer queue for approval and downgrade consideration. | 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 | Reviewer Comment (2025-07-01): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-26): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): Minimum loan amount is [REDACTED]. The minimum property value is [REDACTED]<br>Reviewer Comment (2025-06-24): Moved to buyer queue for approval and downgrade consideration. |  |  | 07/01/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562269 |  |  |  | 33743273 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount does not meet minimum set by investor. Moved to buyer queue for approval and downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-07-01): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-26): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): Minimum loan amount is [REDACTED]. The minimum property value is [REDACTED]<br>Reviewer Comment (2025-06-24): Moved to buyer queue for approval and downgrade consideration. |  |  | 07/01/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562277 |  |  |  | 33753736 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount does not meet minimum set by investor. Moved to buyer queue for approval and downgrade consideration. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-01): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-26): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): Minimum loan amount is [REDACTED]. The minimum property value is [REDACTED]<br>Reviewer Comment (2025-06-24): Moved to buyer queue for approval and downgrade consideration. |  |  | 07/01/2025 | 2 C B |  | IN | Investment | Purchase | C B A |  | N/A | No |
| 223562305 |  |  |  | 33707387 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Delayed Purchase transaction. Missing proof of assets for purchase of subject. |  |  |  | Reviewer Comment (2025-06-26): Cleared following additional review. Guidelines do not require.<br>Reviewer Comment (2025-06-26): Subject is delayed purchase refinance. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): There is no guideline requirement to source funds for initial purchase that occurred prior to Dominion's origination of a new loan. | 06/26/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562305 |  |  |  | 33710860 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount does not meet minimum set by investor. Moved to buyer queue for approval and downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | Reviewer Comment (2025-07-01): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-26): Moved to buyer queue for approval and downgrade consideration. |  |  | 07/01/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223562307 |  |  |  | 33680587 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-06-27): Received Property Inspection Report, Exception cleared.<br>Seller Comment (2025-06-27): PDI | 06/27/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 223562307 |  |  |  | 33680613 |  | 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's Experience/Track Record | Waived and downgraded per client email/ sheet based on available compensating factors. | SitusAMC,Aggregator | Reviewer Comment (2025-07-22): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-07-22): Agree on total qualifying assets of $[REDACTED].<br> Cash to close = $[REDACTED] (includes unsourced EMD in amount of [REDACTED])<br> Qualifying assets available for reserves = $[REDACTED]<br> Required reserves = $[REDACTED]. Shortfall = $[REDACTED]<br>Seller Comment (2025-07-22): Can you confirm if the assets now clear this condition ? We were under the impression the OA was causing the shortage but with this being completed. This Should now cover 9 months of reserves, <br>Thanks<br>Seller Comment (2025-07-22): Here's the breakdown:<br> Acct ending in [REDACTED] - [REDACTED]<br> Acct ending in [REDACTED] - [REDACTED]<br> Acct ending in [REDACTED] - [REDACTED]<br> Acct ending in [REDACTED] - [REDACTED]<br>Total is [REDACTED]<br>Seller Comment (2025-07-22): here is the signature page for the op agreement<br>Reviewer Comment (2025-07-16): Uploaded Operating Agreement is not executed & the Bank statement provided does not suffice the asset required & PITIA months reserves are still lesser, exception remains.<br>Seller Comment (2025-07-16): operating agmt<br>Seller Comment (2025-07-16): additional bank stmt |  |  | 07/22/2025 | 2 C B |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 223562307 |  |  |  | 33727955 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan amount does not meet minimum set by investor. Moved to buyer queue for approval and downgrade consideration. | Borrower's Experience/Track Record | Waived and downgraded per client email/ sheet based on available compensating factors. | SitusAMC,Aggregator | Reviewer Comment (2025-07-01): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-26): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-06-26): Minimum loan amount is [REDACTED]. The minimum property value is [REDACTED]<br>Reviewer Comment (2025-06-23): Moved to buyer queue for approval and downgrade consideration. |  |  | 07/01/2025 | 2 C B |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 223562320 |  |  |  | 33670810 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-06-23): Received Desk review Report, Exception cleared.<br>Seller Comment (2025-06-23): ARR | 06/23/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 223562320 |  |  |  | 33670823 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received FNMA Warrantable condo Criteria which show it is Warrantable project, Exception cleared.<br>Seller Comment (2025-06-23): FHA project<br>Seller Comment (2025-06-23): condo checklist | 06/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 223562320 |  |  |  | 33670824 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-06-24): Received Hazard Insurance Notice of [REDACTED]-[REDACTED], Exception cleared.<br>Seller Comment (2025-06-23): insurance | 06/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 223562320 |  |  |  | 33670828 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Blanket policy and HO6 policy were not provided. |  |  |  | Reviewer Comment (2025-06-24): Received HO-6 Policy insurance, Exception cleared.<br>Seller Comment (2025-06-23): insurance renewal<br>Seller Comment (2025-06-23): insurance | 06/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 223562320 |  |  |  | 33670858 |  | 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) ___. |  | 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 | Reviewer Comment (2025-07-21): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Seller Comment (2025-07-07): Seller requests buyer review: The DSCR is [REDACTED]X. We originated the loan at [REDACTED] with a [REDACTED]% LTV because the borrower had another lender willing to accept the business. We were comfortable with the loan because of the borrower's excellent credit of [REDACTED], experience as an owner/operator of RE multiple properties, and that the in-place lease was actually above "market" and the in-place DSCR is [REDACTED]. |  |  | 07/21/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 223591726 |  |  |  | 33682593 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-01): Document Received, Exception Cleared | 07/01/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33682599 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is not provided |  |  |  | Reviewer Comment (2025-07-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): please see attached doc JK 7.01 | 07/01/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33682611 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-07-07): Document Received, Exception Cleared<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): 7/7 MM: Please see attached document<br>Reviewer Comment (2025-07-02): 1008 not provided.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): please see attached doc JK 7.01 | 07/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33683023 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of [REDACTED] are insufficient to meet reserve requirements of 6 months . Final 1008/AUS reflects [REDACTED] verified. Additional assets required to meet reserves. |  |  |  | Reviewer Comment (2025-06-20): Document Received, Exception Cleared<br>Seller Comment (2025-06-20): Comment from [REDACTED] ([REDACTED]): 6/20 MM: Please see attached WF account ending in [REDACTED] | 06/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33683089 |  | 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 Higher Priced QM (APOR). | Loan designation failure due to QM failure due to reserves not met |  |  |  | Reviewer Comment (2025-06-25): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-25): Comment from [REDACTED] ([REDACTED]): higher-priced QM<br>Reviewer Comment (2025-06-25): LRP to request loan re-designation.<br>Buyer Comment (2025-06-25): Comment from [REDACTED] ([REDACTED]): 6/25 MM: The condition is still rejected in M-Trade. Please confirm if anything else is needed.<br>Reviewer Comment (2025-06-23): EXCEPTION HISTORY - Exception Detail was updated on [REDACTED] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.<br>Reviewer Comment (2025-06-23): Updated.<br>Buyer Comment (2025-06-23): Comment from [REDACTED] ([REDACTED]): 6/23 MM: Can this condition be cleared since it is a waterfall to other asset condition that has been accepted. | 06/25/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223591726 |  |  |  | 33683117 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified liquid assets in the amount of [REDACTED] are insufficient to meet reserve requirements of 6months . Final 1008/AUS reflects [REDACTED] verified. Additional assets required to meet reserves. |  |  |  | Reviewer Comment (2025-06-20): Document Received, Exception Cleared | 06/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33683125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM risk due to reserves not met |  |  |  | Reviewer Comment (2025-06-23): Received additional asset documentation in trailing.<br>Buyer Comment (2025-06-23): Comment from [REDACTED] ([REDACTED]): 6/23 MM: Can this condition be cleared since it is a waterfall to other asset condition that has been accepted. | 06/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591726 |  |  |  | 33781417 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223591729 |  |  |  | 33708131 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable based on last resort insurance policy. |  |  |  | Reviewer Comment (2025-06-19): Condo is non-warrantable. See other exception. | 06/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223591729 |  |  |  | 33708171 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable due to HOA insurance policy being a last resort policy. Approved exception (LRP) in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator | Reviewer Comment (2025-06-19): Exception approval provided, meets buyers waiver policy. |  |  | 06/19/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223591729 |  |  |  | 33708574 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223592094 |  |  |  | 33715663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.87151% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than 5 years.<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 [REDACTED]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-26): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 06/26/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223592094 |  |  |  | 33715667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation failure due to QM failure. This exception may be cleared once all specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-26): Waived and downgraded per client email/ sheet based on available compensating factors. | 06/26/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223592094 |  |  |  | 33715842 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The file was submitted with [REDACTED] as paid by other, without any supporting documentation. Documentation in file does support [REDACTED] being paid by business with 3 payments provided. Per guidelines non-mortgage debt paid by others can be excluded if evidence of 12 months of timely payments are provided showing another party is paying. | Borrower has been employed in the same industry for more than 5 years.<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 [REDACTED]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-26): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-24): Received seller credit exception approval (Doc ID 0524). Missing buyer/investor credit exception approval.<br>Seller Comment (2025-06-23): Comment from [REDACTED] ([REDACTED]): Exception |  |  | 06/26/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223592094 |  |  |  | 33715843 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified assets in the amount of[REDACTED] are insufficient to meet reserves requirement. Provide the source of funds for the [REDACTED] EMD. |  |  |  | Reviewer Comment (2025-06-24): Received EMD documentation in trailing.<br>Seller Comment (2025-06-23): Comment from [REDACTED] ([REDACTED]): LOE and supporting docs | 06/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223592094 |  |  |  | 33715861 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-06-26): Waived and downgraded per client email/ sheet based on available compensating factors. | 06/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223596356 |  |  |  | 33711489 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] did not disclose the Amount Financed. | Page 5 of the Final CD is missing from the file containing field value. |  |  |  | Reviewer Comment (2025-06-30): [REDACTED] received complete CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33711490 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] did not disclose the APR. | Page 5 of the Final CD is missing from the file containing field value. |  |  |  | Reviewer Comment (2025-06-30): [REDACTED] received complete CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33711491 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [REDACTED] did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Page 5 of the Final CD is missing from the file containing field values. |  |  |  | Reviewer Comment (2025-06-30): [REDACTED] received complete CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33711492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] did not disclose the Finance Charge. | Page 5 of the Final CD is missing from the file containing field value. |  |  |  | Reviewer Comment (2025-06-30): [REDACTED] received complete CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33711493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page 5 of the Final CD is missing from the file. |  |  |  | Reviewer Comment (2025-06-30): Received complete copy of the 6/13 CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33711494 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] did not disclose the Total of Payments. | Page 5 of the Final CD is missing from the file containing field value. |  |  |  | Reviewer Comment (2025-06-30): [REDACTED] received complete CD.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Complete CD | 06/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33726694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 51.64145% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED] |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 09/05/2025 | 2 C B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223596356 |  |  |  | 33726698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Investor hard stop DTI cap of [REDACTED] was exceeded due to PITIA from REO properties that were included in DTI calculation. |  |  |  | Reviewer Comment (2025-09-05): Waived and downgraded per client email/ sheet based on available compensating factors. | 09/05/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223596356 |  |  |  | 33726706 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Investor hard stop DTI cap of [REDACTED] was exceeded due to PITIA from REO properties that were included in DTI calculation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED] |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-09-02): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [REDACTED]% exceeds Guideline total debt ratio of [REDACTED]%.<br>Reviewer Comment (2025-08-26): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [REDACTED]% exceeds Guideline total debt ratio of [REDACTED]%.<br>Reviewer Comment (2025-08-14): the calculation is either the vacancy method or the schedule E method. Using current income and prior expenses is not the correct way to calculate rental income/loss. This exception is eligible to be waived down should investor approve.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): Director LOE<br>Reviewer Comment (2025-07-16): Received underwriter worksheet showing rents received of [REDACTED] however, schedule E shows $[REDACTED] for [REDACTED]. Current calculation is using the lease provided which results in a loss of $[REDACTED] - using the Schedule E will result in a loss of $[REDACTED]=7. lender cannot use the rental income from lease and combine that with the schedule E method.<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): UW LOE<br>Reviewer Comment (2025-07-01): Received UW LOE. [REDACTED] is being calculated using vacancy method (75%) with income of $[REDACTED] per month. PITIA = $[REDACTED]. Resulting income = ($[REDACTED]).<br>Seller Comment (2025-06-30): Comment from [REDACTED] ([REDACTED]): LOE |  |  | 09/05/2025 | 2 C B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223596356 |  |  |  | 33726777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-05): Waived and downgraded per client email/ sheet based on available compensating factors. | 09/05/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223623413 |  |  |  | 33728765 |  | 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 5.38499% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 2.38499%). |  |  |  |  | Reviewer Comment (2025-06-25): Client elects to waive. |  |  | 06/25/2025 | 2 B |  | LA | 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 |
| 223623522 |  |  |  | 33781223 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-07-02): Mortgage statement reflects Taxes & Insurance are escrowed, exception cleared.<br>Seller Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): LOE | 07/02/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33781239 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  |  |  |  |  | Reviewer Comment (2025-08-19): Received PCCD reflecting correct payoff information that aligns to payoff statement in file. Compliance testing updated. | 08/19/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33781329 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Confirmed subject property.<br>Buyer Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): This is a refi - [REDACTED] is the only mtg listed on credit report and it is being paid off. Please advise<br>Reviewer Comment (2025-07-03): Final CD is paying off mortgage to Rocket which is not the current lien on the subject property. Please provide documentation of the payoff to the correct lien holder in order to determine lien position and CLTV<br>Seller Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): LOE | 07/17/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33781390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.80579% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .80579%). |  |  |  |  | Reviewer Comment (2025-06-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 06/30/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33781391 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-06-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 06/30/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623522 |  |  |  | 33781394 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-19): Received PCCD reflecting correct payoff information that aligns to payoff statement in file. Compliance testing updated.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): PC CD with corrected payoff - no 2nd lien | 08/19/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33784071 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Cash-out guideline max is 80% for bank statement loan. |  |  |  | Reviewer Comment (2025-08-19): Received PCCD reflecting correct payoff information that aligns to payoff statement in file. Compliance testing updated.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): PC CD with corrected payoff - no 2nd lien | 08/19/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623522 |  |  |  | 33812977 |  | 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 3.80579% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .80579%). |  |  |  |  | Reviewer Comment (2025-06-30): Client elects to waive. |  |  | 06/30/2025 | 2 B |  | WA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623522 |  |  |  | 33812978 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | WA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623593 |  |  |  | 33748006 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.71962% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .71962%). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-26): Loan was submitted for review with an Originator Loan Designation of Safe Harbor QM (APOR).). Buyer to request loan re-designation if required.<br>Buyer Comment (2025-06-26): Comment from [REDACTED] ([REDACTED]): LI 6/26 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623593 |  |  |  | 33748007 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623593 |  |  |  | 33748008 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623593 |  |  |  | 33748009 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.52074% or Final Disclosure APR of 8.54400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.65000 + 1.75%, or 8.40000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (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 subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). 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. | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623593 |  |  |  | 33748010 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623593 |  |  |  | 33748011 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-26): Loan was submitted for review with an Originator Loan Designation of Safe Harbor QM (APOR).). Buyer to request loan re-designation if required.<br>Buyer Comment (2025-06-26): Comment from [REDACTED] ([REDACTED]): LI 6/26 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623593 |  |  |  | 33856661 |  | 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 3.71962% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .71962%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elects to waive. |  |  | 07/07/2025 | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223623593 |  |  |  | 33856662 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Remains Open, EV2.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223623596 |  |  |  | 33737905 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-06-25): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-06-25): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 06/25/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223623596 |  |  |  | 33737915 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223623596 |  |  |  | 33757647 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on 1008 have not been provided for review. Loan was reviewed to [REDACTED] guidelines. 1008 references guidelines dated [REDACTED]. Guideline updates must be provided to LRP directly for approval and upload to SAMC, do not load to exception |  |  |  | Reviewer Comment (2025-06-26): Received corrected 1008 in trailing.<br>Seller Comment (2025-06-26): Comment from [REDACTED] ([REDACTED]): 1008 | 06/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223623596 |  |  |  | 33781416 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223626186 |  |  |  | 33756439 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Waive and downgrade per client email [REDACTED]<br>Reviewer Comment (2025-07-01): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Operating Agreement or Articles of Incorporation/Organization<br>And we have the Operating Agreement in the file |  |  | 07/16/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223626186 |  |  |  | 33756471 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223626186 |  |  |  | 33789672 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business Purpose Certificate missing Notary stamp. |  |  |  | Reviewer Comment (2025-06-30): Received in trailing documents.<br>Seller Comment (2025-06-30): Comment from [REDACTED] ([REDACTED]): attached | 06/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223626205 |  |  |  | 33788780 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 comparable rent schedule was not provided in file. |  |  |  | Reviewer Comment (2025-07-03): received<br>Seller Comment (2025-07-03): Comment from [REDACTED] ([REDACTED]): 1007<br>Reviewer Comment (2025-07-01): 1007 required per investor. Market rents not provided.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Lease used for rental income | 07/03/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626285 |  |  |  | 33781786 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.22943% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total[REDACTED]on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .22943%). |  |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated.<br>Reviewer Comment (2025-06-27): LRP to request loan re-designation if required.<br>Buyer Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): TF 6/27 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223626285 |  |  |  | 33781788 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-06-27): LRP to request loan re-designation if required.<br>Buyer Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): TF 6/27 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/17/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223626285 |  |  |  | 33963612 |  | 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 3.22943% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .22943%). |  |  |  |  | Reviewer Comment (2025-07-17): Client elects to waive. |  |  | 07/17/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223626285 |  |  |  | 33963613 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223626341 |  |  |  | 33765402 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-10): Document Received, Exception Cleared<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): Business Purpose | 07/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626341 |  |  |  | 33765403 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | Reviewer Comment (2025-07-10): Document Received, Exception Cleared<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): Business Purpose | 07/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626341 |  |  |  | 33765404 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-07-10): Document Received, Exception Cleared<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): ID | 07/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626341 |  |  |  | 33793897 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Minimum DSCR is 1.00 for cash out refinance. |  |  |  | Reviewer Comment (2025-07-14): Updated input<br>Reviewer Comment (2025-07-03): Included HOA rent; however, DTI is still [REDACTED] as there is no proof of receipt of this. There is proof of 12 months of receipt of the actual rent.<br>Reviewer Comment (2025-07-03): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated Debt Service Coverage Ratio (Subject DSCR) of [REDACTED] does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00.<br>Buyer Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): Please revisit/clarify. Item #16 of the lease agreement (doc ID 0226) states that the tenant is responsible for payment of the HOA dues in the amount of $[REDACTED]/mo. LOE in file from borrower confirms same, Doc ID 0227. File contains a YTD transaction history from property management for dues paid YTD (Doc ID 0118) and current as of May. (dues have gone up to $[REDACTED]). Since the tenant is responsible for the dues, if the HOA dues were deducted from the PITIA, or if the HOA dues were included in the rent amount, the DSCR would be 1.02. (If deducted from PITIA: $[REDACTED] divided by $[REDACTED]= [REDACTED]. If added to rent: $[REDACTED]+ $[REDACTED]= $[REDACTED]divided by $[REDACTED]= [REDACTED]). Please clear or clarify. Thank you! | 07/14/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626341 |  |  |  | 33794807 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seller to provide written confirmation of guideline name and effective date, used for loan qualifying. |  |  |  | Reviewer Comment (2025-08-06): Received in trailing documents.<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Corr Attestation | 08/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223626355 |  |  |  | 33791385 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  | Subject property reviewed under short-term rental guidelines. Market rent on Comparable Rent Schedule derived from three-year history of STR earnings and not long-term rent (appraiser notes "long-term rentals do not exist"). Per guidelines: Purchase transactions using short-term rental income to qualify must meet the following requirements: AirDNA will be used for all STR purchases. |  |  |  | Reviewer Comment (2025-07-16): Received AirDNA report. Monthly income and DSCR calculation updated.<br>Seller Comment (2025-07-14): Comment from [REDACTED] ([REDACTED]): Air DNA<br>Reviewer Comment (2025-07-07): Report provided is not for the subject property.<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): History | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626355 |  |  |  | 33791388 |  | 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) ___. | Subject property reviewed under short-term rental guidelines. Market rent on Comparable Rent Schedule derived from three-year history of STR earnings and not long-term rent (appraiser notes "long-term rentals do not exist"). Per guidelines: 80% of the actual or estimated gross receipts will be used to determine the qualifying rental income | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Waive and downgrade per email [REDACTED]<br>Reviewer Comment (2025-07-16): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: Calculated Debt Service Coverage Ratio (Subject DSCR) of [REDACTED] does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00.<br>Reviewer Comment (2025-07-07): Report provided is not for the subject property.<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): rents |  |  | 07/31/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626355 |  |  |  | 33791390 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  | Per guidelines: Max 70% without 1 year experience operating a short-term rental. Unable to determine borrower experience based on documentation provided. LTV reduced to 70% if experience less than one year. |  |  |  | Reviewer Comment (2025-07-08): Evidence of STR experience provided.<br>Reviewer Comment (2025-07-08): Guideline requirement is listed under section for "Purchase transactions using short term rental income..." Per guidelines: Max 70% without 1 year experience operating a short-term rental. Unable to determine borrower experience based on documentation provided. LTV reduced to 70% if experience less than one year.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): This document was provided to show the required landlord history of 1 year experience operating a short-term rental - meets the guideline requirement- see guide snips attached, please revisit.<br>Reviewer Comment (2025-07-07): Track record report not provided.<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): History | 07/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626355 |  |  |  | 33791391 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-06-27): Received in trailing documents.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): Loan Approval | 06/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626355 |  |  |  | 33791392 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 1008 and/or UW worksheet with a breakdown of income used for qualifying. |  |  |  | Reviewer Comment (2025-06-27): Received in trailing documents.<br>Seller Comment (2025-06-27): Comment from [REDACTED] ([REDACTED]): 1008 | 06/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223626366 |  |  |  | 33795856 |  | 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) ___. | Actual 12-month history is [REDACTED] (Doc ID 0403). Per guidelines: 80% of the actual or estimated gross receipts will be used to determine the qualifying rental income. Monthly income[REDACTED] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-11): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-07-08): Per investor overlay, STR income must be discounted to 80% to account for extraordinary expenses.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): 100% of the lesser of current rents are used, per the refinance DSCR section- please revisit and re calculate the DSCR (80% only applies to purchase guidelines)- guideline snip attached-page 58/59 |  |  | 07/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223626366 |  |  |  | 33795863 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum investor requirement of .80 DSCR not met. Subject property is .62 DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-11): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-07-08): Per investor overlay, STR income must be discounted to 80% to account for extraordinary expenses.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): 100% of the lesser of current rents are used, per the refinance DSCR section- please revisit and re calculate the DSCR- guideline snip attached (80% applies to purchases, not refinances)- Reduction of the rent does not apply. |  |  | 07/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223626366 |  |  |  | 33795909 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash-out refinance on recently listed property. Listing canceled on [REDACTED]. Investor consideration required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-11): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-06-30): Cash-out refinance. Moved to investor queue for approval and downgrade consideration.<br>Seller Comment (2025-06-30): Comment from [REDACTED] ([REDACTED]): Meets Seller's guidelines- please see attached snippet- Also, Fico 20+ points above minimum and LTV/CLTV more than10% below program maximum and 0x30x24 housing history- |  |  | 07/11/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223638369 |  |  |  | 33797097 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a corporate resolution signed by both members authorizing XXX to sign the note and bind the entity by herself. |  |  |  | Reviewer Comment (2025-07-01): Received in trailing documents.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): 7/1 AMB: Please see the attached Corporate Resolution [REDACTED]. | 07/01/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223638382 |  |  |  | 33781466 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on 1008 have not been provided for review. Loan was reviewed to [REDACTED]guidelines. 1008 references guidelines dated [REDACTED]. Guideline updates must be provided to LRP directly for approval and upload to SAMC, do not load to exception. |  |  |  | Reviewer Comment (2025-07-18): Received in trailing. | 07/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223638382 |  |  |  | 33795351 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | [REDACTED] is more than 90 days prior to Note date. Guidelines require assets statements to be within 90 days of Note date. |  |  |  | Reviewer Comment (2025-07-18): Allowed per [REDACTED] guidelines.<br>Reviewer Comment (2025-07-12): Received [REDACTED] exception approval. Missing buyer/investor credit exception approval.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): LOE and exception | 07/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223638382 |  |  |  | 33795411 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good standing is required an not provided. |  |  |  | Reviewer Comment (2025-07-18): Newly filed entity.<br>Reviewer Comment (2025-07-09): Received Articles of Organization however Certificate of Good Standing is not in file Please provide the Certificate of Good Standing, Exception remains.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): good standing | 07/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223638382 |  |  |  | 33795811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Seller credit exception provided for allowing 10% deductible on insurance and to apply guidelines that have not been approved. Investor consideration required. |  |  |  | Reviewer Comment (2025-07-18): Allowed per [REDACTED] guidelines. | 07/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223638412 |  |  |  | 33787691 |  | 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 |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638412 |  |  |  | 33787694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.41192% is equal to or greater than the threshold of 9.05000%. |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638412 |  |  |  | 33787695 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.58304% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or 1.58304%). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638412 |  |  |  | 33787698 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638412 |  |  |  | 33856663 |  | 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 4.58304% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.58304%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elects to waive. |  |  | 07/07/2025 | 2 B |  | VA | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638412 |  |  |  | 33856664 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789288 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789289 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.02330% or Final Disclosure APR of 9.02800% is equal to or greater than the threshold of APOR 6.93% + 1.5%, or 8.43000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-07-01): Received copies of all valuations and POD to borrower. Compliance testing updated.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Please see attached Appraisal from 6/3 and 6/12. The borrower consented to the appraisal on 6/3 and there was not material changed on the appraisal between 6/3 and 6/12. This meets the 3 day cooling off before closing on 6/13 | 07/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789290 |  | 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 |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789291 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-01): Received copies of all valuations and POD to borrower. Compliance testing updated.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Please see attached Appraisal from 6/3 and 6/12. The borrower consented to the appraisal on 6/3 and there was not material changed on the appraisal between 6/3 and 6/12. This meets the 3 day cooling off before closing on 6/13 | 07/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789293 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.34151% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .34151%). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33789294 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638427 |  |  |  | 33817984 |  | 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 revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638427 |  |  |  | 33856666 |  | 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 3.34151% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .34151%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elects to waive. |  |  | 07/07/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638427 |  |  |  | 33856667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638432 |  |  |  | 33790860 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-14): Document Received, Exception Cleared<br>Seller Comment (2025-07-14): Comment from [REDACTED] ([REDACTED]): CDA | 07/14/2025 |  |  | 1 D A |  | IL | Investment | Purchase | D A |  | N/A | No |
| 223638473 |  |  |  | 33789020 |  | 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 |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638473 |  |  |  | 33789022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.17087% is equal to or greater than the threshold of 9.05000%. |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan. | 07/07/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638473 |  |  |  | 33789023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.11182% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .11182%). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Reviewer Comment (2025-07-01): Loan fails QM Points and Fees by $[REDACTED] - max allowed per total loan amount is $[REDACTED] and fees total $[REDACTED]<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 07/07/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638473 |  |  |  | 33789025 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-26): Sufficient Cure Provided At Closing |  | 06/26/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638473 |  |  |  | 33789026 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan<br>Reviewer Comment (2025-07-01): Loan fails QM Points and Fees by $[REDACTED] - max allowed per total loan amount is $[REDACTED] and fees total $[REDACTED]<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 07/07/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638473 |  |  |  | 33795641 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as [REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-01): Received acceptable COC<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Assets and liabilities were updated by underwriting on 6/10 which Increased the DTI to [REDACTED]% from [REDACTED]% which added a loan level pricing adjusters "Bank Statement Pink: DTI> [REDACTED]% & CLTV [REDACTED]-[REDACTED]%". . Please see the attached Lock Confirmation. | 07/01/2025 |  |  | 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 B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638473 |  |  |  | 33795642 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on the Loan Estimate but disclosed as [REDACTED]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-01): Received acceptable COC<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): LI 7/1 Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. | 07/01/2025 |  |  | 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 B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638473 |  |  |  | 33804178 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title commitment disclosed the proposed insured as the borrower only, however, the deed was vested in the borrower and spouse's name. |  |  |  | Reviewer Comment (2025-07-01): Signed for spousal rights.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): 7/1 MM: The spouse is a NBI on the loan and is not listed on the title commitment. This is not required to be updated. | 07/01/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638473 |  |  |  | 33818344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated. | 07/07/2025 |  |  | 1 A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638473 |  |  |  | 33856670 |  | 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 3.11182% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .11182%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elects to waive. |  |  | 07/07/2025 | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223638473 |  |  |  | 33856671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223638519 |  |  |  | 33807905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | - Seller to provide written confirmation of guideline name and effective date, used for loan qualifying. |  |  |  | Reviewer Comment (2025-07-11): Received updated 1008.<br>Seller Comment (2025-07-11): Comment from [REDACTED] ([REDACTED]): 1008<br>Reviewer Comment (2025-07-07): Please provide Doc ID reflecting the guideline effective date used for loan qualifying. Third-party review attests to reviewing to correct guidelines which is unknown based on documentation provided.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): Please see the loan approval and lock agreement, doc IDs XXX, 0XXX and 0XXX. Loan is a (REDACTED), which is consistent with (REDACTED) review and the most recent, approved guidelines in DocAcuity. Please clear and thank you! | 07/11/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223652028 |  |  |  | 33793170 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-07-01): AirDNA provided.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Please revisit. 1007 not required. Using STR income from AirDNA report, Doc ID 0436. Thank you! | 07/01/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652028 |  |  |  | 33793174 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-07-02): Received recent Bank statement print-out, exception cleared.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): Please see printout with updated balance in the Synergy account for XXX XXX on pages 348 and 349 of file, Doc ID XXX, in the amount of $XXXXXX. This corresponds to the Asset worksheet, Doc ID XXXX, page 307. See comments on page 306, Doc ID XXX, regarding SOF and supporting docs in file. Thank you! | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652028 |  |  |  | 33793194 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-02): Received recent Bank statement print-out, exception cleared. | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33793076 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-07-08): Document Received, Exception Cleared<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): BUSINESS PURPOSE AFFIDAVIT<br>Reviewer Comment (2025-07-01): Received borrower LOE. Business Purpose Certificate not provided.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): BUSINESS PURPOSE LETTER | 07/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33793077 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-07-02): Received in trailing documents.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): FINAL CD | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33810764 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines: Max 70% without 1 year experience operating a short-term rental. Borrower track record or other documentation supporting experience not provided. LTV subject to change pending receipt (LOE for STR, Doc ID 0236). |  |  |  | Reviewer Comment (2025-07-02): Cleared based on using Non-QM Advantage guidelines.<br>Seller Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): Non QM Advantage does not require a track record. See snippet of the guidelines attached and please revisit<br>Reviewer Comment (2025-07-01): Max 70% without 1 year experience operating a short-term rental. Borrower track record or other documentation supporting experience not provided. LTV subject to change pending receipt (LOE for STR, Doc ID 0236).<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): loan is Advantage DSCR and the max LTV is 75% Min 1.0 DSCR | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33810775 |  | Credit | Credit | Guideline Issue | Credit | Taxes are not appropriately escrowed. |  | Per guidelines for STR: Property Tax Escrow required. |  |  |  | Reviewer Comment (2025-07-02): Cleared based on using Non-QM Advantage guidelines.<br>Buyer Comment (2025-07-02): Comment from [REDACTED] ([REDACTED]): Please revisit- Non-QM Advantage does not reflect this requirement- (this is not non qm connect) | 07/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33828435 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Added following review of trailing documents. |  |  |  | Reviewer Comment (2025-07-08): Document Received, Exception Cleared<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): Loan Approval | 07/08/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223652728 |  |  |  | 33828437 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | - Seller to provide written confirmation of guideline name and effective date, used for loan qualifying. |  |  |  | Reviewer Comment (2025-07-07): Provided in file submission.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): Documented in the loan file on pages 105 and 212- Non-QM Advantage (approved guidelines located in DocAcuity) | 07/07/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223687594 |  |  |  | 33804902 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223687594 |  |  |  | 33804903 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[REDACTED]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by[REDACTED]compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 0[REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of[REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-07-17): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]):[REDACTED]<br> Tracking shows it will be delivered tomorrow 7/17<br>Reviewer Comment (2025-07-15): [REDACTED] received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the FedEx tracking does not reflect the package has been picked up by the carrier. Please provide proof when picked up by carrier to complete cure requirements.<br>Seller Comment (2025-07-14): Comment from [REDACTED] ([REDACTED]): attached cure packet, shipping soon<br>Reviewer Comment (2025-07-11): Underdisclosure amount and cure amount required $[REDACTED].<br>Buyer Comment (2025-07-11): Comment from [REDACTED] ([REDACTED]): can you please confirm total cure amount?<br>Reviewer Comment (2025-07-09): [REDACTED] reviewed lender compliance report to [REDACTED] calculation and appears the differences are that lender included Notary fee as a finance charge but also gave a negative fee of $[REDACTED] on discount points. If the negative fee was meant to be a credit towards the APR fees, then the lender will need to provide a LOE and a CD with a credit for the amount of [REDACTED] for a specific finance charge fee, in the "Paid by Others" column. Note that the lender cannot provide a general credit as it will not be applied to finance charge fees first as the deal settings indicate any credits will be applied to non-finance charges first. ADDITIONAL: Using a negative fee amount in this fashion is incorrect. Even if the lender is paying the fee, or giving the borrower credit for the fee, it should be disclosed as a fee, and the credit listed in the paid by others column. Please see TILA-RESPA Integrated Disclosure FAQs VERSION 5 \| LAST UPDATED [REDACTED]<br>Buyer Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): Can you please provide the breakdown you are using? |  | 07/17/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223687594 |  |  |  | 33804904 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-07-17): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD |  | 07/17/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223687849 |  |  |  | 33817945 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is missing. |  |  |  | Reviewer Comment (2025-08-06): Received in trailing documents.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Please revisit. Although not 100% clear, the mortgage statement is more legible when magnified. Payment is $[REDACTED] including escrows, and is consistent with payment noted in Clarity. There are no fees, past due amounts, late charges or unapplied payments. Balance is $[REDACTED]. Thank you!<br>Reviewer Comment (2025-07-30): Please provide a legible copy of the mortgage statement for the REO property located on (REDACTED).<br>Seller Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Mortgage Statement<br>Reviewer Comment (2025-07-29): Clarification - the mortgage statement for the property at [REDACTED] is missing<br>Buyer Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): Please clarify condition as it refers to "2nd lien mortgage statement missing". There is not a second lien on that property. Thank you!<br>Reviewer Comment (2025-07-23): Missing mortgage statement for [REDACTED]<br>Seller Comment (2025-07-23): Comment from [REDACTED] ([REDACTED]): Address corrected CDA | 08/06/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223687849 |  |  |  | 33817965 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation reports disclosed the street number as XXX, however, the Note disclosed the street number as XXX - XXX. |  |  |  | Reviewer Comment (2025-07-23): Received corrected reports in trailing.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): updated appraisal | 07/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223687849 |  |  |  | 33817966 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert disclosed the street number as XXX XX, however, the Note disclosed the street number as XXX - XXX. |  |  |  | Reviewer Comment (2025-07-09): Corrected Flood Cert received in trailing.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): Flood Certificate | 07/09/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223687928 |  |  |  | 33811009 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Xnd lien Mortgage statement is missing. |  |  |  | Reviewer Comment (2025-07-07): Alternative documentation provided.<br>Buyer Comment (2025-07-03): Comment from (REDACTED)): (REDACTED) is reporting on credit which is sufficient. There is no guideline also requiring the statement in addition. | 07/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223687928 |  |  |  | 33811017 |  | 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 4.96488% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED]on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.96488%). |  |  |  |  | Reviewer Comment (2025-07-01): Client elects to waive. |  |  | 07/01/2025 | 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. C B A | Non QM | Non QM | Yes |
| 223687928 |  |  |  | 33817565 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | GA loan - Notary acknowledgement date is missing from the file. |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223687930 |  |  |  | 33805792 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-08-13): Document Received, Exception Cleared | 08/13/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223687930 |  |  |  | 33812582 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Missing a copy of the Deed for transferring title vesting to the borrowing entity. |  |  |  | Reviewer Comment (2025-08-13): Document Received, Exception Cleared<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 8/13 AMB: Please see the attached final title policy.<br>Reviewer Comment (2025-07-01): Vesting does not match. At the time of closing, the settlement would have deeded the property from the individual to the entity for the purposes of vesting. Transfer deed or Final title policy reflecting correct vesting required.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): 07/01/2025 - KJ: The property was owned in the borrower's individual prior to the refinance of the property via this transaction. There is no quit claim deed to be provided. | 08/13/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223687930 |  |  |  | 33812593 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Waive and downgrade per client email dated [REDACTED]<br>Reviewer Comment (2025-08-15): Moved to buyer queue for credit exception approval.<br>Seller Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): 8/14 AMB: Please see the comments from [REDACTED] at [REDACTED] stating that this condition can be waived.<br>Reviewer Comment (2025-07-13): Moved to buyer queue for approval.<br>Seller Comment (2025-07-11): Comment from [REDACTED] ([REDACTED]): [REDACTED] - KJ: Per the agreed upon guidelines between UWM and [REDACTED], a copy of the company Bylaws is not listed a required document when closing in a corporation.<br>Reviewer Comment (2025-07-01): Per guidelines: For sole proprietorships and loans where all owners of the entity are borrowers on the loan, an Operating agreement must be obtained. In the case of a C-corp and not an LLC, the Bylaws would be the equivalent document.<br>Seller Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): [REDACTED] - KJ: Please see attached. |  |  | 08/19/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223687930 |  |  |  | 33812976 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title is currently vested in individual. Mortgage is in name of corporation |  |  |  | Reviewer Comment (2025-08-13): Document Received, Exception Cleared<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 8/13 AMB: Please see the attached final title policy.<br>Reviewer Comment (2025-07-01): Vesting does not match. At the time of closing, the settlement would have deeded the property from the individual to the entity for the purposes of vesting. Transfer deed or Final title policy reflecting correct vesting required.<br>Buyer Comment (2025-07-01): Comment from [REDACTED] ([REDACTED]): 07/01/2025 - KJ: The mortgage is in the name of the borrower's corporation due to the borrower closing the name in their LLC - NO PRESSURE [REDACTED] as opposed to closing in their individual capacity. The property was owned in the borrower's individual capacity prior to being refinanced via this transaction. No additional documentation is required per investor guidelines. | 08/13/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223694978 |  |  |  | 33819229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.37029% is equal to or greater than the threshold of 9.17000%. |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan | 07/07/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223694978 |  |  |  | 33819230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.00141% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or 1.00141%). |  |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan | 07/07/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223694978 |  |  |  | 33819231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided within 60 Days of Closing |  | 07/01/2025 |  | 1 A |  | OH | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223694978 |  |  |  | 33819232 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-07): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): non-QM loan | 07/07/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223694978 |  |  |  | 33822260 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-03): Received proof of delivery | 07/03/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223694978 |  |  |  | 33822261 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.37029% or Final Disclosure APR of 9.43500% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-07-03): Received proof of delivery | 07/03/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223694978 |  |  |  | 33822262 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-03): Received proof of delivery<br>Seller Comment (2025-07-03): Comment from [REDACTED] ([REDACTED]): LI 7/3 Please see attached Appraisal and proof of delivery to the borrower on 5/28 which is more than 3 business days before closing on 6/9 | 07/03/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223694978 |  |  |  | 33856686 |  | 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 4.00141% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.00141%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elects to waive. |  |  | 07/07/2025 | 2 B |  | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223694978 |  |  |  | 33856687 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223708792 |  |  |  | 33821392 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is missing in file. |  |  |  | Reviewer Comment (2025-08-08): received borrower attestation<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Borrower attestation<br>Reviewer Comment (2025-07-24): FNMA letter of attestation is required, when deferring to FNMA, all requirements must be met in order to use alternate forms of acceptance outside of 442. Exception remains.<br>Buyer Comment (2025-07-23): Comment from [REDACTED] ([REDACTED]): Please clarify. A qualified professional performed the inspection of the siding and performed the repair, along with invoice and photo. The borrower is not the one certifying to the repair completion, the qualified professional is certifying to repair completion. Thank you!<br>Reviewer Comment (2025-07-22): FNMA Letter of attestation is required, when deferring to FNMA, all requirements must be met to used alternate forms of acceptance outside of 442<br>Buyer Comment (2025-07-17): Comment from [REDACTED] ([REDACTED]): Appraisal was subject to box 4. Proof it was completed was provided with the invoice of inspection of siding and pictures.<br>Reviewer Comment (2025-07-09): Received invoice and pictures of siding installation, please provide borrower attestation as required per FNMA guidelines<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): Pictures, and receipt of labor was used in lieu of 1004D. B4-1.2-05 of the FNMA Selling Guide, Form 1004D and Completion Alternatives. Photos and invoice are acceptable and meet guidelines for existing construction repairs. | 08/08/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223708792 |  |  |  | 33821437 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The file was missing the verbal verification of employment obtained within ten business days of closing. |  |  |  | Reviewer Comment (2025-07-17): Received Verbal verification of employment, exception cleared.<br>Seller Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]): VOE<br>Reviewer Comment (2025-07-08): Verbal Verification of Employment with Start Date of Employment, Title with signature is required & provided document is Third Party Website Listing/Google Search, exception remains.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): VOE | 07/17/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223708830 |  |  |  | 33823356 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]plus 10% or [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-02): Sufficient Cure Provided At Closing |  | 07/02/2025 |  | 1 A |  | NC | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223708830 |  |  |  | 33823357 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-02): Sufficient Cure Provided At Closing |  | 07/02/2025 |  | 1 A |  | NC | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223708830 |  |  |  | 33829178 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline name and effective date, used for loan qualifying is missing in the loan file submission. Updated 1008 or other document required. |  |  |  | Reviewer Comment (2025-07-08): Received in trailing documents.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): Guideline name and effective date requirements.<br> Rate lock agreement and program guide uploaded | 07/08/2025 |  |  | 1 C A |  | NC | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223708830 |  |  |  | 33831789 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Guidelines require greater of AUS ([REDACTED]) or 6 months PITIA for subject property ($[REDACTED]) for reserves. Available for reserves did not meet the greater amount of[REDACTED] |  |  |  | Reviewer Comment (2025-07-12): Updated per AUS.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): 60% LTV, second home, 1-unit SFR, rate and term refinance,[REDACTED] score, closed on [REDACTED] under the AUS Jumbo Express program. Guideline reserve requirements states "as per DU". DU requires $[REDACTED] in reserves. Final CD requires $[REDACTED] to close. Available funds are $[REDACTED] - $[REDACTED] = $[REDACTED] in reserves which are sufficient to cover $[REDACTED] reserves required by DU. DU, bank statement, rate lock agreement reflecting program selection and program guide uploaded | 07/12/2025 |  |  | 1 C A |  | NC | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223708832 |  |  |  | 33820326 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223708850 |  |  |  | 33821925 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-07-13): Received in trailing documents.<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): Please see condo project approval | 07/13/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 223708851 |  |  |  | 33826654 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide Quit-Claim deed to [REDACTED] |  |  |  | Reviewer Comment (2025-07-08): Document Received, Exception Cleared<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): 7/8 AMB: Please see attached. | 07/08/2025 |  |  | 1 D A |  | WI | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223708851 |  |  |  | 33828101 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-07): ASF definition of cash-out used for securitization review and reporting, however, credit guidelines allow for R/T up to 5K cash-to borrower. R/T per guidelines allows 80%<br>Seller Comment (2025-07-03): Comment from [REDACTED] ([REDACTED]): 7/3 AMB: Please note that this loan was underwritten to the "Pink" product guidelines, as verified by the attached approval letter. Please note that these guidelines allow for a maximum LTV of 80%, so the loan is eligible. | 07/07/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223708851 |  |  |  | 33828102 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-07): ASF definition of cash-out used for securitization review and reporting, however, credit guidelines allow for R/T up to 5K cash-to borrower. R/T per guidelines allows 80%<br>Seller Comment (2025-07-03): Comment from [REDACTED] ([REDACTED]): 7/3 AMB: Please note that this loan was underwritten to the "Pink" product guidelines, as verified by the attached approval letter. Please note that these guidelines allow for a maximum LTV of 80%, so the loan is eligible. | 07/07/2025 |  |  | 1 C A |  | WI | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223708853 |  |  |  | 33828572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/[REDACTED]). |  |  |  | Reviewer Comment (2025-07-11): [REDACTED] received seller CD.<br>Seller Comment (2025-07-10): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The Seller CD has been uploaded for your review. | 07/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223708853 |  |  |  | 33829180 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline name and effective date, used for loan qualifying is missing in the loan file submission. Updated 1008 or other document required. |  |  |  | Reviewer Comment (2025-07-09): AUS qualifying.<br>Seller Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): 1008 | 07/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223708858 |  |  |  | 33821918 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-08): [REDACTED] received attestation suffice.<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): Please see LOX | 07/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 223708858 |  |  |  | 33821939 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | It appears the lender considered Line 9 on the Schedule C (Car and truck expenses vs actual mileage) in error. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Waive and downgrade per email [REDACTED]<br>Reviewer Comment (2025-07-22): Moved to buyer queue for approval and downgrade consideration.<br>Buyer Comment (2025-07-18): Comment from [REDACTED] ([REDACTED]): Can we consider a variance to the DTI? New primary purchase, but vacating property is being converted to an investment property. We did not use any rental income for this property - renting below market rent would bring the DTI in line. Being a 1 yr. tax return, we have a more traditional income validation, 780+ FICO, 6+ mos. reserves. Not a FTHB. |  |  | 07/31/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 223708858 |  |  |  | 33851300 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA language is missing from the policy. |  |  |  | Reviewer Comment (2025-07-09): Received in trailing documents.<br>Seller Comment (2025-07-08): Comment from [REDACTED] ([REDACTED]): Updated mortgagee clause | 07/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 223709103 |  |  |  | 33829926 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Review findings align with UW worksheet, Doc ID 0331. Income from additional REO not documented in file. |  |  |  | Reviewer Comment (2025-07-22): updated income input<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): please see attached | 07/22/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223709103 |  |  |  | 33829939 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | DTI exceeds guidelines. |  |  |  | Reviewer Comment (2025-07-22): Updated income calculations | 07/22/2025 |  |  | 1 B A C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223709103 |  |  |  | 33829941 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.89085% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Review findings align with UW worksheet, Doc ID 0331. Income from additional REO not documented in file. DTI exceeds guidelines. |  |  |  | Reviewer Comment (2025-07-22): Updated income calculations | 07/22/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223709103 |  |  |  | 33829957 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Review findings align with UW worksheet, Doc ID 0331. Income from additional REO not documented in file. DTI exceeds guidelines. |  |  |  | Reviewer Comment (2025-07-22): Updated income calculations | 07/22/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223709104 |  |  |  | 33832159 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Missing Mortgagee clause |  |  |  | Reviewer Comment (2025-07-07): Received in trailing documents.<br>Seller Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): 7/7 tm: Policy attached | 07/07/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223709167 |  |  |  | 33828589 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]): higher-priced QM<br>Reviewer Comment (2025-07-09): LRP to request loan re-designation if applicable.<br>Buyer Comment (2025-07-09): Comment from [REDACTED] ([REDACTED]): TF 7/9 Can we please relock to RP<br>Reviewer Comment (2025-07-07): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR).<br>Buyer Comment (2025-07-07): Comment from [REDACTED] ([REDACTED]): TF 7/7 Can you please advise how this was locked with the investor? | 07/17/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223709167 |  |  |  | 33959207 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223712497 |  |  |  | 33834529 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The condo is non-warrantable. Lender exception in file. |  |  |  | Reviewer Comment (2025-07-07): Verified non-warrantable. | 07/07/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223712497 |  |  |  | 33835374 |  | 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) ___. | DSCR does not meet the minimum 1.00 required. Lender exception in file. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-07): LRP exception approval provided. |  |  | 07/07/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223712497 |  |  |  | 33851931 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo with the following attributes. Investor concentration greater than 50%, pre-sale is 33%. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-07): LRP exception approval provided. |  |  | 07/07/2025 | 2 B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 223717116 |  |  |  | 33847895 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223717508 |  |  |  | 33853319 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-07-20): Received Mortgage Statement, exception cleared.<br>Seller Comment (2025-07-18): Comment from [REDACTED] ([REDACTED]): XXXX Docs<br>Reviewer Comment (2025-07-15): Received Lease Agreement but Mortgage Statement is still missing, exception remains.<br>Seller Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): Lease | 07/20/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717508 |  |  |  | 33853359 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient documentation provided.<br>Buyer Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): Could you please tell me what we need to provide for this? | 07/17/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717508 |  |  |  | 33853362 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-21): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/21/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223717508 |  |  |  | 33989829 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-07-29): Nothing more needed<br>Buyer Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): Could you please tell me if you are needing anything from us to get this cleared? |  |  |  | 2 A B |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 33859828 |  | 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 Higher Priced QM (APOR). | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-09-02): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you!<br>Reviewer Comment (2025-08-25): EXCEPTION HISTORY - Exception Detail was updated on [REDACTED] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | 09/02/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223717512 |  |  |  | 33862667 |  | 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 ___. | The LTV of 80.00% exceeds guidelines maximum of 75.00% based on FICO. Lender exception in file. Investor consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 | Reviewer Comment (2025-08-25): okay to waive and downgrade per client email [REDACTED] |  |  | 08/25/2025 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 33862669 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The LTV of 80.00% exceeds guidelines maximum of 75.00% based on FICO. Lender exception in file. Investor consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 | Reviewer Comment (2025-08-25): okay to waive and downgrade per client email [REDACTED] |  |  | 08/25/2025 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 33862671 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | The maximum cash out based on LTV is [REDACTED]. Lender exception in file. Investor consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 | Reviewer Comment (2025-08-25): okay to waive and downgrade per client email [REDACTED] |  |  | 08/25/2025 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 33862859 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Business funds are being used as reserves. Per guidelines business funds may be used up to the borrower's percentage of ownership. |  |  |  | Reviewer Comment (2025-08-17): Received Bank statements, exception cleared.<br>Seller Comment (2025-08-15): Comment from [REDACTED] ([REDACTED]): [REDACTED] stmts reference by UW<br>Reviewer Comment (2025-07-16): Received LOE. Per guidelines: Business funds may be used up to the borrower's percentage of ownership.<br>Seller Comment (2025-07-11): Comment from [REDACTED] ([REDACTED]): UW LOE | 08/17/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 33863870 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-08-25): Waived credit exceptions | 08/25/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717512 |  |  |  | 34342583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223717674 |  |  |  | 33846460 |  | 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. | Loan designation failure due to QM points and fees failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]): non-QM loan | 07/17/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223717674 |  |  |  | 33846461 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.30561% is equal to or greater than the threshold of 9.18000%. |  |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated. | 07/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223717674 |  |  |  | 33846462 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.73407% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED](an overage of[REDACTED] or 1.73407%). |  |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated. | 07/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223717674 |  |  |  | 33849381 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide most recent consecutive bank statement. Assets must be sourced/seasoned for 60 days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<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 | Reviewer Comment (2025-08-20): okay to waive and downgrade per client email [REDACTED] |  |  | 08/20/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223717674 |  |  |  | 33849391 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide most recent consecutive bank statement. Assets must be sourced/seasoned for 60 days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<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 | Reviewer Comment (2025-08-20): okay to waive and downgrade per client email [REDACTED] |  |  | 08/20/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223717674 |  |  |  | 33849399 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Provide most recent consecutive bank statement. Assets must be sourced/seasoned for 60 days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<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 | Reviewer Comment (2025-08-20): okay to waive and downgrade per client email [REDACTED] |  |  | 08/20/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223717674 |  |  |  | 33963441 |  | 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 4.73407% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.73407%). |  |  |  |  | Reviewer Comment (2025-07-17): Client elects to waive. |  |  | 07/17/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223717674 |  |  |  | 33963447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223730694 |  |  |  | 33899456 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | Reviewer Comment (2025-07-25): Document Received, Exception Cleared<br>Seller Comment (2025-07-24): PDI uploaded 7/24 | 07/25/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730694 |  |  |  | 33899461 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing Credit Application. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730694 |  |  |  | 33938568 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 B A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730696 |  |  |  | 33919675 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit report dated [REDACTED] is more than 120 days from the Note date of [REDACTED]. Per guidelines an updated copy is required. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730696 |  |  |  | 33919677 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded<br>Reviewer Comment (2025-07-17): Received operating agreement is not signed by the member. Please provided signed operating agreement<br>Seller Comment (2025-07-17): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730696 |  |  |  | 33919678 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded<br>Reviewer Comment (2025-07-17): Required Signed Corporate Resolution<br>Seller Comment (2025-07-17): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730696 |  |  |  | 33940787 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Document Received, Exception Cleared<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730696 |  |  |  | 33940802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730697 |  |  |  | 33898579 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement for [REDACTED] is missing |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded<br>Reviewer Comment (2025-07-17): Received Operating Agreement is not Signed by member, please provide the Executed Operating Agreement, Exception remains.<br>Seller Comment (2025-07-17): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730697 |  |  |  | 33898590 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing for [REDACTED] is missing |  |  |  | Reviewer Comment (2025-07-17): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730697 |  |  |  | 33898592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Article of Organization for [REDACTED]is missing |  |  |  | Reviewer Comment (2025-07-17): Received Articles of Organization/Formation, Exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730697 |  |  |  | 33919509 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Credit Report is more than 120 days prior to the note date. |  | Guarantor's credit report dated [REDACTED] is more than 120 days from the Note date of [REDACTED]. Per guidelines an updated is required. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730700 |  |  |  | 33894359 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Credit Report is more than 120 days prior to the note date. |  | Credit report dated [REDACTED] is more than 120 days from the Note date of [REDACTED]. Per guidelines an updated copy is required. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730700 |  |  |  | 33911589 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing provided in file is dated [REDACTED] is more than 90 days from the Note date [REDACTED]. |  |  |  | Reviewer Comment (2025-07-17): Document Received, Exception Cleared<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730702 |  |  |  | 33898456 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Articles of Organization/Formation, Exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730702 |  |  |  | 33898459 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Certificate of Good Standing, Exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730702 |  |  |  | 33898461 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-07-17): Received Operating Agreement, exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730702 |  |  |  | 33917565 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Subject LTV of [REDACTED] exceeds the guideline required LTV of 75% for unleased rate/term refinance transaction. |  |  |  | Reviewer Comment (2025-07-16): Received Lease Agreement & LTV changed to 80%, exception cleared.<br>Seller Comment (2025-07-16): Lease attached | 07/16/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730702 |  |  |  | 33923511 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit report dated [REDACTED] is more than 120 days from the Note date of [REDACTED]. Per guidelines an updated copy is required. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): uploaded | 07/21/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223730709 |  |  |  | 33937924 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. There is a blanket mortgage on the title. |  |  |  | Reviewer Comment (2025-08-05): Received Pro-Forma policy removing blanket mortgage. Final title (non-Pro Forma) pending.<br>Seller Comment (2025-08-04): uploaded | 08/05/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730721 |  |  |  | 33950444 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Missing Background Report with a 10 year lookback for criminal history required per guidelines. Only a single state report provided with a 7 year lookback. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-22): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-08-11): Guidelines require 10 year lookback. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-08-11): Per our standard process, the background reports we pull only go back 7 years, as that is the maximum lookback available from our provider. Unfortunately, we are not able to obtain a 10 year report. |  |  | 09/22/2025 | 2 C B |  |  | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223730733 |  |  |  | 33945354 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Please provide a document executed by both members authorizing XX to sign the note and bind the entity. The only CR in file is specific to the acquisition/ purchase of the subject property in [REDACTED]. |  |  |  | Reviewer Comment (2025-07-17): Received Corporate resolution, exception cleared.<br>Seller Comment (2025-07-17): uploaded | 07/17/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730735 |  |  |  | 33891143 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-07-25): Document Received, Exception Cleared<br>Seller Comment (2025-07-24): PDI Uploaded 7/24 | 07/25/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 223730735 |  |  |  | 33912497 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects subject is tenant occupied. Missing lease agreement. |  |  |  | Reviewer Comment (2025-08-11): Purchase transaction.<br>Seller Comment (2025-08-06): this loan was a purchase. The lease was with the old owner, so could not be provided by DFS borrower. Please clear | 08/11/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 223730739 |  |  |  | 33938204 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-07-25): Document Received, Exception Cleared<br>Seller Comment (2025-07-24): Uploaded PDI 7/24 | 07/25/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223730739 |  |  |  | 33938206 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-08-08): Document Received, Exception Cleared<br>Seller Comment (2025-08-08): Correct Guaranty agreement uploaded 8/8<br>Reviewer Comment (2025-07-17): Received Guarantee Agreement is not for current transaction loam amount is also not matching, Please provide the updated Guarantee Agreement, Exception remains.<br>Seller Comment (2025-07-17): uploaded | 08/08/2025 |  |  | 1 D A |  | KY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223730739 |  |  |  | 33938217 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-08-08): Document Received, Exception Cleared<br>Seller Comment (2025-08-08): Please see highlighted area of uploaded insurance declaration page for rent loss coverage. | 08/08/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 223730745 |  |  |  | 33939208 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The valuation indicates the subject property is tenant occupied; however, a fully executed lease agreement is missing. |  |  |  | Reviewer Comment (2025-08-01): Received 12-month history of STR income and AirDNA Report. Rental type changed to STR. Guideline requirements met.<br>Seller Comment (2025-07-31): There is no lease since this is a STR, the rental booking and income statement for Evolve are uploaded | 08/01/2025 |  |  | 1 C A |  | MN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223730745 |  |  |  | 33945171 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Please provide a document signed by both members authorizing XXX to sign the note and bind the entity alone. |  |  |  | Reviewer Comment (2025-08-01): Corporate Resolution located in file and associated.<br>Seller Comment (2025-07-31): (REDACTED) is the operating manager and he holds 80%. Please advise why this document is needed? | 08/01/2025 |  |  | 1 C A |  | MN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223742779 |  |  |  | 33909628 |  | 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 8.73592% or Final Disclosure APR of 8.72400% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223742779 |  |  |  | 33909636 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-07-15): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/15/2025 |  |  | 1 B A C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223742779 |  |  |  | 33909637 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-07-16): [REDACTED] received attestation that Mortgage Inspection Certificate is survey and would be 4c7 service<br>Buyer Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): Please revisit. The $[REDACTED]Mortgage Inspection Certificate is for a survey and was paid to Hale and Associates Survey Co, Inc. See final CD and SS, doc IDs 0152 and 0259. This fee is not a finance charge. Thank you! | 07/16/2025 |  |  | 1 C A |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223742779 |  |  |  | 33909638 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on [REDACTED] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] |  |  |  | Reviewer Comment (2025-07-16): [REDACTED] received attestation that Mortgage Inspection Certificate is survey and would be 4c7 service<br>Buyer Comment (2025-07-15): Comment from [REDACTED] ([REDACTED]): Please revisit. The $[REDACTED] Mortgage Inspection Certificate is for a survey and was paid to Hale and Associates Survey Co, Inc. See final CD and SS, doc IDs 0152 and 0259. This fee is not a finance charge. Thank you! | 07/16/2025 |  |  | 1 C A |  | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223742779 |  |  |  | 33909639 |  | 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 Pest Inspection Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-25): [REDACTED] received a LOX for Pest inspection.<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): LOE<br>Reviewer Comment (2025-07-23): [REDACTED] received rebuttal. However, [REDACTED] is unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the Pest Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest Inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): The pest inspection fee is a borrower can shop for fee and they did shop for so section C is the correct section so there is not a cure required. | 07/25/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223742779 |  |  |  | 33940691 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | OK | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223744475 |  |  |  | 33987578 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Subject loan amount of [REDACTED] exceeds guideline maximum amount of [REDACTED] | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Low LTV<br>Excess reserves | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-07-25): Waived and downgraded per [REDACTED] email.<br>Reviewer Comment (2025-07-22): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-07-22): please move to [REDACTED] queue. they granted exception |  |  | 07/25/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223745350 |  |  |  | 33924947 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared | 07/21/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223745350 |  |  |  | 33924978 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  |  |  |  | Reviewer Comment (2025-07-27): Received proof of disbursement date<br>Buyer Comment (2025-07-25): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0385, settlement date [REDACTED], after effective date of policy.<br>Reviewer Comment (2025-07-22): Disbursement date cannot be verified with a PCCD. Please provide signed/stamped Final Settlement Statement for confirmation.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): PCCD reflecting [REDACTED] disbursement date received. | 07/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223745350 |  |  |  | 33924985 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title did not reflect the title coverage amount. Supplemental report was not provided. |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): Final title reflecting coverage amount | 07/21/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223745380 |  |  |  | 33929443 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-07-22): Received in trailing documents.<br>Seller Comment (2025-07-17): Comment from [REDACTED] ([REDACTED]): Condo approval | 07/22/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A | N/A | N/A | No |
| 223745380 |  |  |  | 33935647 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The DTI of [REDACTED] exceeds guidelines of 50.00%. The lender used higher rental income for the subject property to qualify. |  |  |  | Reviewer Comment (2025-07-25): Updated with additional documentation<br>Seller Comment (2025-07-23): Comment from [REDACTED] ([REDACTED]): REO docs and market rent; borrower LOX stating 413 address was in error<br>Reviewer Comment (2025-07-22): D0255 is not for [REDACTED] but for [REDACTED] unable to determine they are one in the same<br>Buyer Comment (2025-07-16): Comment from [REDACTED] ([REDACTED]): Please reconsider/clarify calculation for DTI. It appears that the full payment was used on current rental property? Please see Doc ID 0255 page 555, and Doc ID 0473, page 544. Primary $[REDACTED] + REO [REDACTED] + $[REDACTED] LTD + $[REDACTED] negative net on subject = $[REDACTED] divided by $[REDACTED]income = [REDACTED]% DTI. Thank you! | 07/25/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C A | N/A | N/A | No |
| 223745392 |  |  |  | 33950135 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-17): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-17): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/17/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223745392 |  |  |  | 33950826 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | The 2023 tax returns were provided and based on the application date of [REDACTED] are not the most recent tax returns. The guidelines require one year personal and business tax returns covering the time period since last tax filing. |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223745392 |  |  |  | 33963835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223751328 |  |  |  | 33931686 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-07-24): Multi-member entity with only one member is the borrower. Corporate Resolution sufficient per guidelines.<br>Buyer Comment (2025-07-23): Comment from [REDACTED] ([REDACTED]): CT 7/23: Loans of this color do not require operating agreements and no operating agreement should be given, only corporate resolution | 07/24/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223751328 |  |  |  | 33950895 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Form 442 in file confirms that not all items were resolved.- per appraiser the basement shows signs of water issues and a report from a qualified third party must be provided to confirm resolution and no health or safety issue. |  |  |  | Reviewer Comment (2025-07-21): Received third-party inspection report attesting to water seeping into basement is not a health or safety issue (Doc ID 0396, page 3).<br>Seller Comment (2025-07-18): Comment from [REDACTED] ([REDACTED]): 7/18 MM: Please see attached property inspection report. | 07/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 223751330 |  |  |  | 33945409 |  | 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. | Loan designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2025-08-06): Reviewed and associated 1099. Compliance testing updated.<br>Reviewer Comment (2025-07-29): Due to income verification<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): 2024 tax extension and 2024 IRS transcripts reflecting no record found uploaded to portal. | 08/06/2025 |  |  | 1 B A C |  | MN | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223751330 |  |  |  | 33945410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2025-08-06): Reviewed and associated 1099. Compliance testing updated.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): See Doc ID 1041, 0538, 1075 Vvoe and Doc ID 0545, 0544- borrower paid via 1099 income files on schedule C-<br>Reviewer Comment (2025-07-29): Most recent income documentation provided is from [REDACTED], extensions do not show income.<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): 2024 tax extension and 2024 IRS transcripts reflecting no record found uploaded to portal. | 08/06/2025 |  |  | 1 C A |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 33945411 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. |  |  |  |  | Reviewer Comment (2025-08-11): re-designation applied per email<br>Reviewer Comment (2025-07-29): Recency EV2 exception<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): 2024 tax extension and 2024 IRS transcripts reflecting no record found uploaded to portal. | 08/11/2025 |  |  | 1 B A |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 33945412 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. |  |  |  |  | Reviewer Comment (2025-08-11): re-designation applied per email<br>Reviewer Comment (2025-07-29): Recency EV2 exception<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): 2024 tax extension and 2024 IRS transcripts reflecting no record found uploaded to portal. | 08/11/2025 |  |  | 1 B A |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 33950153 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | [REDACTED] was opened in [REDACTED]. Subject property was acquired on [REDACTED] by current owners per title commitment. [REDACTED] was not a purchase money mortgage, therefore, considered part of cash out proceeds. |  |  |  | Reviewer Comment (2025-08-14): Updated based on instruction email of actual correct guidelines.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Correct guides are non qm per email dated 8/11- please clear<br>Reviewer Comment (2025-08-13): Per email dated [REDACTED] loan was to be reviewed to the AUS Jumbo Express Program<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): The non qm guidelines permit cash out to [REDACTED] (snip attached)- please revisit<br>Reviewer Comment (2025-07-29): The payoff of the second (non-purchase money) lien is considered cash out. Borrowers are getting Cash in Hand of $[REDACTED] and paying off the purchase money loan and the non-purchase money loan of $[REDACTED] for a total cash out of $[REDACTED]<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): ND Non QM expanded fixed 30, 75% LTV, cash out refinance, FICO [REDACTED] , second home, cash out limit [REDACTED] closed on [REDACTED].<br>Payoff 1st and 2nd. The 2nd is an LOC. The guideline does not state seasoned non purchase money loans are considered cashout. In any case, the 2nd is an LOC and the cash out limit is less than [REDACTED]. No issue. Guideline uploaded to portal. | 08/14/2025 |  |  | 1 C A |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 34182444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | re-designation applied per email |  |  |  |  |  |  |  | 2 A B |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 34182445 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | most recent tax returns not supplied for review |  |  |  |  |  |  |  | 2 B |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751330 |  |  |  | 34182446 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | most recent tax returns not supplied for review |  |  |  |  |  |  |  | 2 B |  | MN | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223751345 |  |  |  | 34138302 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-08-06): Received Final 1003, exception cleared.<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): final 1003 | 08/06/2025 |  |  | 1 C A |  | WI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223751345 |  |  |  | 34138303 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Received Approval, exception cleared.<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Approval | 08/06/2025 |  |  | 1 C A |  | WI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223751345 |  |  |  | 34138306 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-08-06): Received Third Party Verification of Employment within 10 business days of the Note, exception cleared.<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): VOE | 08/06/2025 |  |  | 1 C A |  | WI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223757262 |  |  |  | 33937214 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-07-22): Received HOA Verification, exception cleared.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): HOA for [REDACTED] Redfern. | 07/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223761575 |  |  |  | 33971651 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraiser commentary indicates that the adjusted values indicate a range between [REDACTED] to [REDACTED] and the appraises opinion is that the subject would fall into this range at [REDACTED]. However, the appraised value is [REDACTED]. Appraisal clarification/ update is needed. |  |  |  | Reviewer Comment (2025-07-29): Appraiser update of the appraisal commentary received in trailing docs to include a higher range for which the value falls within. The most recent sale (comp 5) supports value, the addition of comp 6 also brackets the value, and lastly the CDA supports value.<br>Seller Comment (2025-07-29): Okease see the attached revised appraisal<br>Reviewer Comment (2025-07-23): Trailing docs only include and AVM and a CDA. An explanation and update of the original appraisal referenced in the exception has not been received.<br>Seller Comment (2025-07-21): uploaded receipt<br>Reviewer Comment (2025-07-21): Awaiting receipt of appraiser explanation.<br>Seller Comment (2025-07-21): This request is sent to the appraiser, DVR gave Grade "A" for the valuation | 07/29/2025 |  |  | 1 C A |  | IA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223761604 |  |  |  | 33961338 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223761677 |  |  |  | 33973500 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-29): Document Received, Exception cleared | 09/29/2025 |  |  | 1 A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223761677 |  |  |  | 33973525 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-29): Document Received, Exception cleared<br>Seller Comment (2025-09-29): FTP<br>Reviewer Comment (2025-07-29): Moved to [REDACTED] for waiver and downgrade consideration per Kiavi request.<br>Seller Comment (2025-07-29): The prelim is not going to show this. The prelim is not going to be updated. Again this will be cleared with the final title policy once available please push for waiver until the Final title comes in, this is not part of the agreement nor is it part of policy<br>Reviewer Comment (2025-07-25): Please provide a prelim with sufficient coverage<br>Seller Comment (2025-07-25): This will be corrected on the Final Title Policy. We have 90 days to provide this. | 09/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223767475 |  |  |  | 33961518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The file is missing a document signed by all members confirming that XXX is authorized to sign the note and bind the entity alone. |  |  |  | Reviewer Comment (2025-07-21): Received in trailing documents.<br>Seller Comment (2025-07-18): Comment from [REDACTED] ([REDACTED]): 7/18 MM: Please see attached docs | 07/21/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223767514 |  |  |  | 33943969 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-07-21): Document Received Exception Cleared<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): Approval | 07/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223767514 |  |  |  | 33943972 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title policy amount is not provided |  |  |  | Reviewer Comment (2025-07-30): Document Received, Exception Cleared<br>Seller Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Supplemental report reflecting coverage amount. | 07/30/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223767514 |  |  |  | 33944443 |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2025-07-22): Received in trailing documents. Compliance testing updated. | 07/22/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223767514 |  |  |  | 33944566 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Loan Approval | General QM: Missing loan approval; General QM testing is incomplete. | Missing loan approval. |  |  |  | Reviewer Comment (2025-07-22): Received in trailing documents. Compliance testing updated.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): Approval | 07/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223767514 |  |  |  | 33944567 |  | 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 [REDACTED] are underdisclosed. |  |  |  |  | Reviewer Comment (2025-08-08): [REDACTED] received Letter of Explanation & Corrected Closing Disclosure<br>Seller Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD dated [REDACTED] has been uploaded for your review.<br>Reviewer Comment (2025-08-01): [REDACTED] received PCCD with same issue date as final CD date. Please provide updated PCCD with correct issue date.<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): [REDACTED]: The PCCD and LOE have been uploaded for your review.<br>Reviewer Comment (2025-07-24): [REDACTED] Final Closing Disclosure does not reflect Non-Escrowed Property Costs over Year 1 on page 04. Non-Escrowed Property Cost is $[REDACTED] per month which indicates HOA. which equates to calculated Non-escrowed Property Costs over Year 1 of $[REDACTED]. PCCD and LOE required in order to address the exception.<br>Buyer Comment (2025-07-23): Comment from [REDACTED] ([REDACTED]): 7/23/2025: Commentary for Regulation Z section 1026.38(l)(7)-2: "2. During the first year. Section 1026.38(l)(7)(i)(A)(2) requires disclosure based on payments during the first year after consummation. Alternatively, if the creditor elects to make the disclosures required by § 1026.38(l)(7)(i)(A)(1) and (l)(7)(i)(A)(4) based on amounts derived from the escrow account analysis required under Regulation X, 12 CFR 1024.17, then the creditor may make the disclosures required by § 1026.38(l)(7)(i)(A)(2) based on a 12-month period beginning with the borrower's initial payment date (rather than beginning with consummation). See comment 38(l)(7)(i)(A)(5)-1."<br>Originator used 12 month calculation to create the amount required. Escrowed Property Costs over Year 1: $[REDACTED] / 12 months = $[REDACTED]. This matches the costs disclosed. |  | 08/08/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223768107 |  |  |  | 33958517 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-07-21): Received Bank statements, exception cleared.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): asset documentation | 07/21/2025 |  |  | 1 C A |  | WA | Investment | Purchase | D A C |  | N/A | No |
| 223768107 |  |  |  | 33958519 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-21): Received Title Final, exception cleared. | 07/21/2025 |  |  | 1 A |  | WA | Investment | Purchase | D A C |  | N/A | No |
| 223768107 |  |  |  | 33958521 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-07-21): Received Title Final, exception cleared.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): title policy showing correct loan amount | 07/21/2025 |  |  | 1 B A |  | WA | Investment | Purchase | D A C |  | N/A | No |
| 223768107 |  |  |  | 33958531 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-21): Received CDA, exception cleared.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): secondary valuation | 07/21/2025 |  |  | 1 D A |  | WA | Investment | Purchase | D A C |  | N/A | No |
| 223768107 |  |  |  | 33958558 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-21): Received Bank statements, exception cleared.<br>Seller Comment (2025-07-21): Comment from [REDACTED] ([REDACTED]): asset documentation | 07/21/2025 |  |  | 1 C A |  | WA | Investment | Purchase | D A C |  | N/A | No |
| 223770335 |  |  |  | 33959481 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-07-22): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/22/2025 |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223770335 |  |  |  | 34007933 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | UT | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223770410 |  |  |  | 33961278 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-08-01): Comment from [REDACTED] ([REDACTED]): RCE | 08/01/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 33961305 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 33961307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.21772% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .21772%). |  |  |  |  | Reviewer Comment (2025-07-24): Seller email on [REDACTED] at 12:38 EST requested to retest to Non-QM.<br>Reviewer Comment (2025-07-22): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/24/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 33961309 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 33961310 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.73195% or Final Disclosure APR of 8.79600% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-08-04): Remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 33961312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-24): Seller email on [REDACTED] at 12:38 EST requested to retest to Non-QM.<br>Reviewer Comment (2025-07-22): Loan Designation restated. Compliance testing updated.<br>Reviewer Comment (2025-07-22): EXCEPTION HISTORY - Exception Detail was updated on [REDACTED] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.<br>Buyer Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/24/2025 |  |  | 1 B A C |  | MD | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223770410 |  |  |  | 33961315 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. (9300) |  |  |  | Reviewer Comment (2025-07-22): Cleared in error.<br>Reviewer Comment (2025-07-22): [REDACTED] received LE and VCC.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): LEs and CiCs | 07/22/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223770410 |  |  |  | 33961316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. (7326) |  |  |  | Reviewer Comment (2025-07-22): [REDACTED] received LE and VCC.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): LEs and CiCs | 07/22/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223770410 |  |  |  | 33961317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. (8304) |  |  |  | Reviewer Comment (2025-07-22): [REDACTED] received LE and VCC.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): LEs and CiCs | 07/22/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223770410 |  |  |  | 33989801 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines referenced on 1008 have not been provided for review. Loan was reviewed to [REDACTED]guidelines. 1008 references guidelines dated 05/01/2025. Guideline updates must be provided to LRP directly for approval and upload to SAMC, do not load to exception |  |  |  | Reviewer Comment (2025-08-01): Received in trailing documents.<br>Seller Comment (2025-08-01): Comment from [REDACTED] ([REDACTED]): 1008 | 08/01/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223770410 |  |  |  | 34032817 |  | 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 3.21699% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .21699%). | Seller email on [REDACTED] at 12:38 EST requested to retest to Non-QM. |  |  |  | Reviewer Comment (2025-07-24): Client elects to waive. |  |  | 07/24/2025 | 2 B |  | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223770410 |  |  |  | 34032818 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Seller email on [REDACTED] at 12:38 EST requested to retest to Non-QM. |  |  |  | Reviewer Comment (2025-08-04): Remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223779159 |  |  |  | 33979805 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-07-23): Received Mortgage Statement, exception cleared.<br>Seller Comment (2025-07-22): Comment from [REDACTED] ([REDACTED]): REO Documents | 07/23/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223779159 |  |  |  | 33979817 |  | 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 |  |  |  |  |  | Reviewer Comment (2025-08-27): Received CDA for appraisal used for valuation. Prior CDA in file for same property but with different lender/loan ID and therefore not used.<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): FYI - we had a prior CDA because the branch did a reconsideration of value which increased the appraised value, and prompted a new report. | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223779159 |  |  |  | 33979818 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-02): Received CDA for appraisal used for valuation. Prior CDA in file for same property but with different lender/loan ID and therefore not used.<br>Buyer Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): Please clear based on the other cleared finding | 09/02/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223779162 |  |  |  | 33992653 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-08-01): Allowed per guidelines.<br>Buyer Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): 7/30 MM: The corporate resolution shows the [REDACTED] has [REDACTED] and [REDACTED]has [REDACTED]% ownership in the business.<br>Reviewer Comment (2025-07-28): How can it be determined that all members of the company gave [REDACTED] signing authority without documentation/knowledge of who all the members are.<br>Buyer Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): 7/28 MM: The corporate resolution document say that the company is hereby authorized to take all necessary actions to carry out the intent of the resolution and gives [REDACTED] authorization to act on behalf of the company to execute all relate documents. No Operating agreement is needed.<br>Reviewer Comment (2025-07-27): Received corporate resolution, without operating agreement unable to determine if all required parties signed<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): 7/24 MM: Please see copy of corporate resolution. No operating agreement is required. | 08/01/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223782525 |  |  |  | 33993306 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  | Reviewer Comment (2025-08-08): Received disclosure, disclosure is not signed.<br>Seller Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): please see seller email, provided in this disclosure set, system prints provided<br>Reviewer Comment (2025-08-07): Received disclosure in trailing that is not executed. Also missing tracking to borrower.<br>Seller Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): Please see attached<br>Reviewer Comment (2025-08-06): Per SC Code Ann. 37-23-70 (D) - South Carolina CHL Complaint Agency Disclosure - The borrower shall be provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan, with the telephone number and address of the agency.<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Seller rebuttal attached- found on 1003-please advise | 08/08/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782525 |  |  |  | 33993307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [REDACTED] disclosed an inaccurate APR of 8.57700% compared to the actual APR at consummation of 9.76064% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (8.577%) changed more than the 0.125% threshold compared to the actual/calculated APR at consummation (9.76064%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. <br>There is a 7/10/25 in file with an disclosed APR of 9.856% within tolerance of accuracy and would clear exception if there is evidence [REDACTED] CD was received at least 3 business days prior to consummation |  |  |  | Reviewer Comment (2025-07-25): [REDACTED] Received Copy of CD dated 07/10 and 07/14 signed by borrower.<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): See attached CD's with proof borrower signed and all was done 3 day prior to Consummation. The processor will need to obtain the South Carolina Disclosure. As for the E-Document fee of $[REDACTED]this is a 10% tolerance fee and was added on the [REDACTED] Closing Disclosure and fell within the 10% | 07/25/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 223782525 |  |  |  | 33993308 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [REDACTED] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-07-25): [REDACTED] Received Copy of CD dated 07/10 and 07/14 signed by borrower.<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): See attached CD's with proof borrower signed and all was done 3 day prior to Consummation. As for the E-Document fee of $[REDACTED]this is a 10% tolerance fee and was added on the [REDACTED] Closing Disclosure and fell within the 10% | 07/25/2025 |  |  | 1 C A |  | SC | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 223782525 |  |  |  | 34172780 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) | South Carolina Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Received disclosure, disclosure is not signed. |  |  |  | Reviewer Comment (2025-08-13): Received signed disclosure<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): See attached | 08/13/2025 |  |  | 1 A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 223782526 |  |  |  | 33991343 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): Airdna | 07/25/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223782526 |  |  |  | 34006363 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Received Vacation Rental Income Statement, exception cleared.<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): Airdna | 07/25/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 223789722 |  |  |  | 34017850 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-07-23): Confirmed non-warrantable. | 07/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223789728 |  |  |  | 34002861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[REDACTED]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by[REDACTED]compared to the calculated Amount Financed of [REDACTED] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] | Final Closing Disclosure disclosed an amount financed of [REDACTED]; calculated amount financed is [REDACTED]. Variance is [REDACTED] |  |  |  | Reviewer Comment (2025-07-28): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-07-25): Comment from [REDACTED] ([REDACTED]): Updated and refunded on PCCD |  | 07/28/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223789728 |  |  |  | 34002863 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of[REDACTED] which exceeds the [REDACTED] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] | Final Closing Disclosure disclosed a finance charge of [REDACTED]; calculated finance charge is [REDACTED] Variance of $-[REDACTED] |  |  |  | Reviewer Comment (2025-07-28): [REDACTED] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2025-07-25): Comment from [REDACTED] ([REDACTED]): Updated and refunded on PCCD |  | 07/28/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223789728 |  |  |  | 34003000 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | 10% fee violation due to an increase in the[REDACTED] fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [REDACTED] a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2025-08-14): [REDACTED] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): PCCD<br>Reviewer Comment (2025-08-06): [REDACTED] Received Corrected PCCD showing require cure amount; however, Copy of check, Proof of Mailing and Pending amount check not received.<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): PCCD showing tolerance cure<br>Reviewer Comment (2025-08-01): [REDACTED] received LOE, however lender states the baseline should be $[REDACTED] vs [REDACTED] calculated amount of $[REDACTED]. Lender has included the title-examination fee of $[REDACTED], tax certificate fee of [REDACTED], lenders title insurance fee of $[REDACTED](fee charged on LE is $[REDACTED]), closing protection letter of $[REDACTED], wire fee of $[REDACTED](fee on LE is $[REDACTED]), document delivery fee of $[REDACTED], e-doc fee of $[REDACTED], search fee of $[REDACTED], tidelands search fee of $[REDACTED]& patriot search fee of $[REDACTED]in the 10% baseline. However, these fees were not disclosed on the initial LE. A creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. Please provide additional cure of $[REDACTED]as total cure required is $[REDACTED]. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): Title fees do not exceed 10% cumulative amount<br>Reviewer Comment (2025-07-30): [REDACTED] received rebuttal that fees are moved to section B on PCCD. However, the fees are subject to 10% tolerance and title fees are increased by $[REDACTED]on final CD which is $[REDACTED] more after 10% tolerance. Lenders title insurance fee was increased by $[REDACTED] , E-doc fee increased by $[REDACTED] and Wire fee increased by $[REDACTED] from the amount disclosed on initial LE. Beyond this Title - CPL fee, Title - Exam Fee, Title - Search fee, Title - Copy fee, Title - ROM Service, Title - Tax Cert fee, Title - Notice of settlement fee and Title - Flood cert fee were not disclosed on initial LE and added later on CD. A valid COC or cure would be required.<br>Seller Comment (2025-07-29): Comment from [REDACTED] ([REDACTED]): Title fees moved to Section B on PCCD; amount did not increase |  | 08/14/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223789728 |  |  |  | 34003001 |  | 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 Bond Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by [REDACTED]due to Increase of Appraisal Re-Inspection Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-14): [REDACTED] received corrected PCCD and LOE.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): PCCD<br>Reviewer Comment (2025-08-06): [REDACTED] Received Corrected PCCD showing fee with title prefix' however, LOE not provided. Provide LOE showing changed made on PCCD.<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Updated title fee<br>Reviewer Comment (2025-07-30): [REDACTED] received rebuttal but the Metes Bounds fee was updated without title on CD, if the fee is paid to title company it should have been updated as Title - Metes Bounds then it will be tested under 10% tolerance. An updated PCCD and LOE is required with updated fee name to re-test the fee.<br>Seller Comment (2025-07-29): Comment from [REDACTED] ([REDACTED]): Metes and Bounds title fee was disclosed on the PCCD after the CD was balanced with the settlement statement. Title fees are subject to 10% tolerance, no tolerance cure required. | 08/14/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223789845 |  |  |  | 34012883 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines Provided are Dated Post Closing |  |  |  | Reviewer Comment (2025-07-30): Received correct guidelines | 07/30/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012891 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): loan approval | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012892 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): operating agreement and addendums | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012893 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): cert of good standing | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012894 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-07-24): Document Received, Exception Cleared<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): Uploaded | 07/24/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012895 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): employer EIN | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012921 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): CDA | 08/01/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012928 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): TITLE COMMIT | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012936 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): title commitment | 08/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34012943 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-24): Document Received, Exception Cleared<br>Seller Comment (2025-07-24): Comment from [REDACTED] ([REDACTED]): credit reports | 07/24/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789845 |  |  |  | 34119690 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - B |  |  |  | 2 B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223789853 |  |  |  | 34011409 |  | 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 |
| 223789853 |  |  |  | 34011410 |  | 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 | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 223789853 |  |  |  | 34011411 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.51048% or Final Disclosure APR of 8.51000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.76000 + 1.75%, or 8.51000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (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 subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). 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 |
| 223789853 |  |  |  | 34011412 |  | 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 | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 223792470 |  |  |  | 34020628 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2 informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223792470 |  |  |  | 34021227 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-07-28): Re-stated designation<br>Buyer Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 07/28/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223792470 |  |  |  | 34066155 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-stated designation |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2 informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223792522 |  |  |  | 34029139 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-07-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-29): Comment from [REDACTED] ([REDACTED]): Please retest to higher priced QM | 07/30/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223792522 |  |  |  | 34097029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223795390 |  |  |  | 34034467 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-07-28): Received Approval, Exception cleared.<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): Approval | 07/28/2025 |  |  | 1 C A |  | WA | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223795390 |  |  |  | 34034482 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-07-29): Received HOA Verification, exception cleared.<br>Seller Comment (2025-07-28): Comment from [REDACTED] ([REDACTED]): Uploaded evidence of HOA for (REDACTED). | 07/29/2025 |  |  | 1 C A |  | WA | Second Home | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223797400 |  |  |  | 34057764 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. |  |  |  |  |  | Reviewer Comment (2025-07-30): Flood insurance effective prior to loan disbursement date.<br>Buyer Comment (2025-07-29): Comment from [REDACTED] ([REDACTED]): Effective date is prior to loan disbursement. Please clear. | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223797400 |  |  |  | 34057766 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806116 |  |  |  | 34070125 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806116 |  |  |  | 34070148 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as -[REDACTED] but disclosed as [REDACTED] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-12): [REDACTED] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): Tracking shows shipped. To be delivered 8/13<br> You:<br> tracking for [REDACTED]<br>The status of your shipment is as follows:<br> On the way<br>Your package is expected to be delivered on [REDACTED]<br>Reviewer Comment (2025-08-11): [REDACTED] received PCCD, LOE, Refund Check and Proof of Mailing. FedEx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2025-08-08): Comment from [REDACTED] ([REDACTED]): attached cure packet shipping soon<br>Reviewer Comment (2025-08-08): [REDACTED] File is missing supporting document to verify the lender credit rounded off on LE. Provide supporting document for rounded off amount and Cure docs for $[REDACTED]. Cure Docs consists of PCCD, LOE, Refund check and Proof of Mailing.<br>Buyer Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): is it [REDACTED]or [REDACTED]?<br>$[REDACTED ]to $[REDACTED]<br>Reviewer Comment (2025-08-07): [REDACTED] require cure of $[REDACTED] for lender credit. Please provide cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): can you confirm cure amount?<br>Reviewer Comment (2025-07-30): [REDACTED] received COC for loan amount change which is already in file however, If lender credit reduced at the exact same percentage that the loan amount change, then there are no other changes in the loan other than a change in the loan amount. If the lender credit reduces at a different percentage than the change in loan amount, either up or down, then the reduction in loan amount is not the only reason for reduction of the lender credit. In that case, the other reasons (program change, fee change) for the reduction need to be ascertained to ensure the borrower was properly informed and all disclosure timelines were met, or a cure is owed.<br>Seller Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Attached CoC |  | 08/12/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223806116 |  |  |  | 34072065 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The qualifying DTI of [REDACTED] exceeds the guideline maximum of 50.00%. |  |  |  | Reviewer Comment (2025-08-08): Updated wage earner income | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806116 |  |  |  | 34072071 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.11583% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The qualifying DTI of [REDACTED] exceeds the guideline maximum of 50.00%. |  |  |  | Reviewer Comment (2025-08-08): updated income<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Loan should be reviewed to 12 months bank statement loan with 15% expense factor. Email sent to AMC today. See attached revised 1008. UW worksheet also uploaded but in file. Thank you!<br>Reviewer Comment (2025-08-01): Calculations used for review forwarded to LRP.<br>Buyer Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): provide us with your Income and debts worksheet that resulted in DTI over 50% to compare with ours that has DTI at [REDACTED]% | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806116 |  |  |  | 34072104 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation failure due to QM failure. The DTI exceeds program guidelines. |  |  |  | Reviewer Comment (2025-08-08): updated income | 08/08/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223806116 |  |  |  | 34072116 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-08-08): updated income | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806134 |  |  |  | 34065950 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 8.94000% is equal to or greater than the threshold of 8.92000%. |  |  |  |  | Reviewer Comment (2025-07-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 07/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223806134 |  |  |  | 34065951 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.48742% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED](an overage of [REDACTED] or .48742%). |  |  |  |  | Reviewer Comment (2025-07-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 07/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223806134 |  |  |  | 34065952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) |  |  |  |  | Reviewer Comment (2025-08-29): [REDACTED] received attestation suffice.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): Please see attestation requested and the additional information on the page. As the exact same LE was wet signed [REDACTED], please remove/downgrade as there was a violation that did harm to the borrower. Thank you.<br>Reviewer Comment (2025-08-27): [REDACTED] received a screenprint with LOS system and an unsigned & not on letterhead statement that this was a clerical error. [REDACTED] would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Upon receipt of the Lender attestation with additional information noted along with the screen print, [REDACTED] can remove the LE dated [REDACTED] from testing and re-baseline this exception.<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): XXX Compliance and Regulatory team has met and disagrees with this response. Please see attached.<br>Reviewer Comment (2025-08-22): [REDACTED] received [REDACTED] signed LE. However, last LE dated [REDACTED] issued after the [REDACTED] CD issued. [REDACTED] LE received without receipt and [REDACTED] CD sent and received on [REDACTED], the relationship between revised Loan Estimates and Closing Disclosures. The creditor shall not provide a revised version of the disclosures required under paragraph (e)(1)(i) of this section on or after the date on which the creditor provides the disclosures required under paragraph (f)(1)(i) of this section. While the rule and commentary in § 1026.19(e)(4)(ii) leave some room for interpretation as to what constitutes "provided", the final rule addresses the reasoning behind the requirement which is to prevent creditors from providing consumers with both estimates (LE) and actual costs (CD) at the same time; the consumer must receive the revised LE no later than 4 business days prior to consummation and the consumer must receive the CD no later than 3 business days prior to consummation - clearly indicating that the LE should be received prior to the CD; and as the final rule further explains above, on a different business day. Cannot cure timing violation.<br>Seller Comment (2025-08-21): Comment from [REDACTED] ([REDACTED]): Please see wet signed LE dated [REDACTED] | 08/29/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 223806134 |  |  |  | 34065955 |  | 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. | Loan Designation discrepancy is due to the Points and Fees on subject loan of 3.48742% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .48742%). |  |  |  | Reviewer Comment (2025-07-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-07-30): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 07/30/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223806134 |  |  |  | 34066051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/17/2025 not received by borrower at least four (4) business days prior to closing. | Final LE provided to borrower is dated [REDACTED] |  |  |  | Reviewer Comment (2025-08-29): [REDACTED] received attestation suffice.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): Please see attestation requested. Please remove/downgrade as the duplicate LE was provided causes no harm to the borrower. Thank you.<br>Reviewer Comment (2025-08-27): [REDACTED] received a screenprint with LOS system and an unsigned & not on letterhead statement that this was a clerical error. [REDACTED] would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Upon receipt of the Lender attestation with additional information noted along with the screen print, [REDACTED] can remove the LE dated [REDACTED] from testing and re-baseline this exception.<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): XXX Compliance and Regulatory team has met and disagrees with this response. Please see attached.<br>Reviewer Comment (2025-08-22): [REDACTED] received [REDACTED] signed LE. However, last LE dated [REDACTED] issued after the [REDACTED] CD issued. [REDACTED]LE received without receipt and [REDACTED] CD sent and received on [REDACTED], the relationship between revised Loan Estimates and Closing Disclosures. The creditor shall not provide a revised version of the disclosures required under paragraph (e)(1)(i) of this section on or after the date on which the creditor provides the disclosures required under paragraph (f)(1)(i) of this section. While the rule and commentary in § 1026.19(e)(4)(ii) leave some room for interpretation as to what constitutes "provided", the final rule addresses the reasoning behind the requirement which is to prevent creditors from providing consumers with both estimates (LE) and actual costs (CD) at the same time; the consumer must receive the revised LE no later than 4 business days prior to consummation and the consumer must receive the CD no later than 3 business days prior to consummation - clearly indicating that the LE should be received prior to the CD; and as the final rule further explains above, on a different business day. Cannot cure timing violation.<br>Seller Comment (2025-08-21): Comment from [REDACTED] ([REDACTED]): Please see wet signed LE dated [REDACTED] | 08/29/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 223806134 |  |  |  | 34096686 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title commitment was vested in the name of the borrower, however, the Deed was vested in the borrower and spouse's name. |  |  |  | Reviewer Comment (2025-08-04): Spousal rights.<br>Buyer Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): Please advise what is required to clear this condition. Romelio Bedolla Corona is on the loan and a spouse is required to be added in this state. It would not be unusual for this party to be added at closing on the deed. Final title comes 60 days after closing. Thanks | 08/04/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223806134 |  |  |  | 34101127 |  | 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 3.48742% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .48742%). |  |  |  |  | Reviewer Comment (2025-07-30): Client elects to waive. |  |  | 07/30/2025 | 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 | Safe Harbor QM (APOR) | Non QM | Yes |
| 223806134 |  |  |  | 34101128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223812726 |  |  |  | 34106856 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-04): Updated to include POC fees<br>Buyer Comment (2025-08-01): Comment from [REDACTED] ([REDACTED]): Fund required to close [REDACTED] - gift of [REDACTED] = [REDACTED] remaining required from b funds- borrower available funds less gift and after verified dp of 10k (doc id 0250)= [REDACTED]. [REDACTED] - less funds remaining to close from borrower [REDACTED]=[REDACTED]remaining.for reserves 3 months of reserves =[REDACTED]. reserves are met, please revisit. | 08/04/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223812726 |  |  |  | 34108412 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The use of gift funds constitute greater than 50% of the down payment. Investor consideration required. |  |  |  | Reviewer Comment (2025-08-07): Ok to clear per client email.<br>Reviewer Comment (2025-08-01): Exception unrelated to guidelines. Investor consideration required.<br>Buyer Comment (2025-08-01): Comment from [REDACTED] ([REDACTED]): Total gift funds [REDACTED]- borrower contributed [REDACTED] own funds- Guides permit gifts with a 10% borrower contribution. Meets approved guidelines, see page 174 of guides. please revisit | 08/07/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223814218 |  |  |  | 34094018 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-01): Included in trailing documents<br>Seller Comment (2025-07-31): Uploaded title with lot description | 08/01/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223814218 |  |  |  | 34123387 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223814222 |  |  |  | 34073379 |  | 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 |  | VA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223814269 |  |  |  | 34092443 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223814280 |  |  |  | 34088801 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223814287 |  |  |  | 34094090 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223814297 |  |  |  | 34091039 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223814324 |  |  |  | 34140771 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-08-05): Moved to [REDACTED] for waiver consideration of EV2. |  |  | 10/24/2025 | 2 A B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223815933 |  |  |  | 34114249 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - B |  |  |  | 2 B |  | TX | Investment | Purchase | D B A | N/A | N/A | No |
| 223815933 |  |  |  | 34114332 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is not provided for "XXX" |  |  |  | Reviewer Comment (2025-09-03): Received Guarantor Agreement for 50% member of borrowing entity. Other member signed as member and not Guarantor or individual.<br>Buyer Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): should she have signed the guarantor as well?<br>Reviewer Comment (2025-08-04): She is presumed to be a Guarantor for the subject loan to an entity borrower. A separate exception is open for missing guarantor agreement.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): This loan is conventional why do we need her credit report? She is the non occupant spouse | 09/03/2025 |  |  | 1 D A |  | TX | Investment | Purchase | D B A | N/A | N/A | No |
| 223815933 |  |  |  | 34117934 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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>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 [REDACTED]<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Okay to waive and downgrade per client email dated [REDACTED]<br>Reviewer Comment (2025-09-03): Received post-closing Guarantor Agreement. Moved to investor queue for approval and downgrade consideration.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): attached<br>Reviewer Comment (2025-08-04): Guaranty provided was not signed by the Guarantor.<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): attached |  |  | 09/09/2025 | 2 D B |  | TX | Investment | Purchase | D B A | N/A | N/A | No |
| 223815940 |  |  |  | 34093760 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): Condo approval | 08/01/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223815940 |  |  |  | 34109530 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-08-01): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-08-01): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you!<br>Reviewer Comment (2025-08-01): Loan was submitted for review with a loan designation of Safe Harbor QM (APOR). LRP to request loan re-designation if applicable.<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): Compliance cert showing Higher Priced QM | 08/01/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223815940 |  |  |  | 34109538 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | Photos disclosed on appraisal are not legible. |  |  |  | Reviewer Comment (2025-08-01): Document Received, Exception Cleared<br>Seller Comment (2025-07-31): Comment from [REDACTED] ([REDACTED]): Appraisal | 08/01/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223815940 |  |  |  | 34124658 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-08-04): Exception remains open, EV2, informational.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Cleared - B |  |  |  | 2 A B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223815959 |  |  |  | 34104072 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Document Received, Exception Cleared<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Signed CD | 08/06/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223815959 |  |  |  | 34109478 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Document Received, Exception Cleared<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Conditional Loan Approval | 08/06/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223815959 |  |  |  | 34110183 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-08-07): Document Received, Exception Cleared<br>Seller Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): BUSINESS PURP LETTER<br>Reviewer Comment (2025-08-07): Received approval and state filing. Business Purpose Certificate not provided.<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Business Purpose Cert and letter | 08/07/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 223816114 |  |  |  | 34101737 |  | 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 3.23247% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .23247%). |  |  |  |  | Reviewer Comment (2025-08-01): Client elects to waive. |  |  | 08/01/2025 | 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. C B A | Non QM | Non QM | Yes |
| 223816114 |  |  |  | 34101741 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  | Reviewer Comment (2025-08-06): Received in trailing documents.<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): TF 8/4 Disagree: Please see attached SC State disclosures that was provided to the borrower the same time as the loan application on 7.08 On Pg.3 of 13 under the Borrower Complaints section highlighted in yellow, the borrower was giving the information for the agency designated to receive complaints or inquiries about the origination and making of the loan. | 08/06/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223816114 |  |  |  | 34101742 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [REDACTED] received rate lock in lieu of COC.<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): TF 8/4 On 7/8/2025 there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at -[REDACTED]% or -$[REDACTED]with lender paid compensation of $[REDACTED] and a Final Cost to the Borrower of [REDACTED]% or $[REDACTED]. Please see attached lock confirmation and Closing Disclosure. | 08/05/2025 |  |  | 1 C A |  | SC | 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 |
| 223816114 |  |  |  | 34101743 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [REDACTED]2 exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [REDACTED] received CD and COC dated [REDACTED].<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): TF 8/4 On 7.18 the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [REDACTED]% or $[REDACTED] to [REDACTED]% or $[REDACTED]. On 7.18 a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 08/05/2025 |  |  | 1 C A |  | SC | 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 |
| 223816114 |  |  |  | 34101744 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [REDACTED] received CD and COC dated [REDACTED].<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): TF 8/4 On 7.18 the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [REDACTED]% or $[REDACTED] to [REDACTED]% or $[REDACTED]. On 7.18 a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 08/05/2025 |  |  | 1 C A |  | SC | 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 |
| 223816114 |  |  |  | 34101745 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [REDACTED] received CD and COC dated [REDACTED].<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): TF 8/4 Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Credit Report. | 08/05/2025 |  |  | 1 C A |  | SC | 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 |
| 223816114 |  |  |  | 34108570 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Comparable sale #4 has a gross adjustment of at 33.5%. Appraiser noted that Comp 4 was added to support value of subject in addition to comps 1-3. Comp 4 is an active listing in the subject's marketplace. Investor consideration required. |  |  |  | Reviewer Comment (2025-08-12): Client accepts.<br>Reviewer Comment (2025-08-06): Moved to buyer queue for approval.<br>Buyer Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): 8/6 CW: Comp #4 sold for $[REDACTED] on [REDACTED], which is the value the appraiser used for this property. While I don't see any indication this is currently still listed, it shouldn't make a difference as appraiser used the property as it was for the prior sale, not based on the active listing. | 08/12/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223816114 |  |  |  | 34138821 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223851637 |  |  |  | 34103925 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Missing one more month bank statement |  |  |  | Reviewer Comment (2025-08-06): One month allowed per guidelines.<br>Buyer Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Please revisit. Per XXX guidelines, Assets section, only one month of bank statements are required for funds to close and reserves. See lines 1348 and 1396. Thank you! | 08/06/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223851637 |  |  |  | 34109400 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-04): Document Received, Exception Cleared<br>Seller Comment (2025-08-04): Comment from [REDACTED] ([REDACTED]): Approval | 08/04/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223859978 |  |  |  | 34117667 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-13): Remains Open, EV2.<br>Buyer Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223859978 |  |  |  | 34117834 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-06): Received Approval, exception cleared.<br>Seller Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): attached | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223860010 |  |  |  | 34207330 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223860010 |  |  |  | 34207333 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing evidence of automatic withdrawal plan for IRA income used for qualification. |  |  |  | Reviewer Comment (2025-08-19): Confirmed method three. 10% reduction from account balance applied.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): LOE | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223860010 |  |  |  | 34207385 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-19): Confirmed method three. 10% reduction from account balance applied. Compliance testing updated. | 08/19/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223860010 |  |  |  | 34207389 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-08-19): Confirmed method three. 10% reduction from account balance applied. Compliance testing updated. | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223860025 |  |  |  | 34128294 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-08): Received in trailing documents.<br>Seller Comment (2025-08-08): Comment from [REDACTED] ([REDACTED]): HOI attached was includeded in the initial loan loan delivery. | 08/08/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223860025 |  |  |  | 34128315 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.18459% or Final Disclosure APR of 10.23800% is equal to or greater than the threshold of APOR 6.67% + 1.5%, or 8.17000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-08-14): Received delivery confirmation for report dated [REDACTED]. Compliance testing updated.<br>Seller Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Proof of the updated appraisal delivered to the borrower & LPR cert.<br>Reviewer Comment (2025-08-08): Received valuation report dated [REDACTED] and proof of delivery to borrower. Still missing POD for report dated [REDACTED].<br>Seller Comment (2025-08-08): Comment from [REDACTED] ([REDACTED]): LPR Cert & Appraisal sent on 7/8, the city had changed. | 08/14/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223860025 |  |  |  | 34131838 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-14): Received delivery confirmation for report dated [REDACTED]. Compliance testing updated.<br>Seller Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Proof of the updated appraisal delivered to the borrower & LPR cert.<br>Reviewer Comment (2025-08-12): Still missing evidence of delivery to borrower for report dated [REDACTED].<br>Buyer Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): The 7/8 report was provided in the prior TD- doc id 0380-please update<br>Reviewer Comment (2025-08-06): Missing copy of report provided to borrower on [REDACTED] (reflecting no change in value to report dated [REDACTED]. Missing delivery to borrower for report dated [REDACTED].<br>Seller Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Appraisal Ack attached was included in the initial loan delivery. Please provide clarification. Thank you. | 08/14/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223860025 |  |  |  | 34208737 |  | 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 revised valuation to applicant three (3) business days prior to consummation. | Received delivery confirmation for report dated [REDACTED]. Compliance testing updated. |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223860039 |  |  |  | 34116628 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-06): [REDACTED] Received supporting comments on the exception for Appraisal re-inspection fee added on CD dated [REDACTED] along with COC present in file.<br>Buyer Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Please see the following doc IDs: 0139. 0159 and 0160. The 1004 was signed by the appraiser on [REDACTED] and performed subject to repairs. COC for increase in settlement charges noted on [REDACTED], and CD with final inspection fee of $[REDACTED]issued [REDACTED]. Thank you! | 08/06/2025 |  |  | 1 C A |  | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223860039 |  |  |  | 34116629 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-08-07): Re-stated designation<br>Buyer Comment (2025-08-05): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 08/07/2025 |  |  | 1 B A C |  | LA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223860039 |  |  |  | 34160777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-stated designation |  |  |  |  |  |  |  | 2 A B |  | LA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223861138 |  |  |  | 34123796 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-06): Remains open, EV2 informational.<br>Buyer Comment (2025-08-06): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223861138 |  |  |  | 34123829 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-01): Sufficient Cure Provided At Closing |  | 08/01/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223861138 |  |  |  | 34123840 |  | 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. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2025-08-06): Non QM | 08/06/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223878156 |  |  |  | 34140005 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.28298% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [REDACTED] (2025). FNMA Finance Charge total [REDACTED] on a Original Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED](2025) (an overage of [REDACTED] or .28298%). |  |  |  |  | Reviewer Comment (2025-08-06): Client elects to waive. |  |  | 08/06/2025 | 2 B |  | FL | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 223878216 |  |  |  | 34143121 |  | 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 4.89120% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.89120%). |  |  |  |  | Reviewer Comment (2025-08-06): Client elects to waive. |  |  | 08/06/2025 | 2 B |  | HI | 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 |
| 223878306 |  |  |  | 34139201 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223878306 |  |  |  | 34139385 |  | 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 $[REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $1.57 due to Increase of Loan Credit Report Fee. No valid COC provided, nor evidence of cure in file. |  |  |  |  | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223878306 |  |  |  | 34140585 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  |  | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223878306 |  |  |  | 34304827 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/27/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223878311 |  |  |  | 34162640 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing for the borrowing entity. Per guidelines: For sole proprietorships and loans where all owners of the entity are borrowers on the loan, an Operating agreement must be obtained. |  |  |  | Reviewer Comment (2025-08-08): Document Received, Exception Cleared<br>Seller Comment (2025-08-08): Comment from [REDACTED] ([REDACTED]): 8/8 CW: See attached operating agreement | 08/08/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 223878323 |  |  |  | 34138798 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | File is missing 60 days of asset statements for the account ending in 9260. | Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-20): okay to waive and downgrade per client email [REDACTED]<br>Reviewer Comment (2025-08-13): Please provide exception approval allowing use of newly opened account<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): 8/12 MM: Please see attached LOX that explains the chase account was recently open. 2 months of assets cannot be provided. |  |  | 08/20/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223878323 |  |  |  | 34138838 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower. | 0% tolerance was exceeded by [REDACTED] due to Increase of Credit report Fee. No valid COC provided, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided within 60 Days of Closing |  | 08/05/2025 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 223878323 |  |  |  | 34138872 |  | 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 3.16201% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .16201%). |  |  |  |  | Reviewer Comment (2025-08-06): Client elects to waive. |  |  | 08/06/2025 | 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 |
| 223878323 |  |  |  | 34138886 |  | 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. | Disclosures were sent to the borrower prior to obtaining consent for electronic disclosures. Lender to provide proof of e-consent within 3 days of the initial application, OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-08-08): [REDACTED] received CD dated 07/17/2025<br>Seller Comment (2025-08-07): Comment from [REDACTED] ([REDACTED]): CT 8/7: Please see the attached CD | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223878323 |  |  |  | 34154172 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223881501 |  |  |  | 34150588 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-11): Remains open, EV2.<br>Buyer Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | MO | Investment | Purchase | B A |  | N/A | No |
| 223881512 |  |  |  | 34150428 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-12): Received in trailing documents.<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): 8/12 tm: attached | 08/12/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 223888114 |  |  |  | 34159169 |  | 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 | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223888114 |  |  |  | 34189060 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Quit Claim Deed in file moving ownership from the borrowing entity and an unknown individual to just the borrowing entity is a blank template that is not executed (D0003). |  |  |  |  | 08/14/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223888137 |  |  |  | 34163040 |  | 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 |  | AL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223888526 |  |  |  | 34159024 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-11): Received CDA, exception cleared.<br>Seller Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): CDA | 08/11/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223888535 |  |  |  | 34157416 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-11): Remains open, EV2.<br>Buyer Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223888543 |  |  |  | 34166092 |  | 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. | LOE in file states borrower is not responsible for the mortgage on the REO property located on XXXX, however, the bank statements referenced and the mortgage statements included the borrower as an account owner. Unable to exclude mortgage from DTI. The residence reflects income for ADU, but income was not included since the Final 1003 did not disclose the income. |  |  |  |  | 09/12/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223888543 |  |  |  | 34166093 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee was last disclosed as $100.00 on the Loan Estimate, but was disclosed as $70.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $30.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  |  |  | 08/08/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223888543 |  |  |  | 34166107 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | LOE in file states borrower is not responsible for the mortgage on the REO property located on XXXX, however, the bank statements referenced and the mortgage statements included the borrower as an account owner. Unable to exclude mortgage from DTI. The residence reflects income for ADU, but income was not included since the Final 1003 did not disclose the income. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223888543 |  |  |  | 34166197 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The due diligence DTI is higher due to REO liabilities that were excluded by the lender. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223888543 |  |  |  | 34170959 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.10485% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | LOE in file states borrower is not responsible for the mortgage on the REO property located on XXXX, however, the bank statements referenced and the mortgage statements included the borrower as an account owner. Unable to exclude mortgage from DTI. The residence reflects income for ADU, but income was not included since the Final 1003 did not disclose the income. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223888564 |  |  |  | 34162072 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  | 08/12/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223888651 |  |  |  | 34167076 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2025-08-13): Policy Effective date is [REDACTED] which is the same date when the loan was disbursed, Exception Cleared<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): attached | 08/13/2025 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| 223888651 |  |  |  | 34167097 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-12): Confirmed loan was intended to be submitted under expanded guidelines.<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): Program is Edge Expanded non qm dscr- allows DSCR down to .75- meets guidelines, please revisit- guideline attached | 08/12/2025 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| 223888668 |  |  |  | 34167384 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2025-08-11): Received evidence of spousal consent in trailing.<br>Seller Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): TF 8/11 Please see attached Cash Sale Deed | 08/11/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| 223888668 |  |  |  | 34167386 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Missing Spousal Consent Form |  |  |  | Reviewer Comment (2025-08-11): Received evidence of spousal consent in trailing.<br>Buyer Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): TF 8/11 Please see attached Cash Sale Deed | 08/11/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| 223888668 |  |  |  | 34171894 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  |  |  |  |  | Reviewer Comment (2025-08-14): Both mortgage and deed show to be separate property<br>Buyer Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): CT 8/13: Please provide the regulation that states the Non-borrowing spouse is required on the title policy. | 08/14/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| 223888682 |  |  |  | 34167047 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-11): Remains open, EV2.<br>Buyer Comment (2025-08-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| 223891917 |  |  |  | 34167653 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Insurance verification for REO listed in the final 1003 Upon receipt of the missing insurance verification, additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-13): Vacant land, no insurance required<br>Buyer Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 08/13 AD: This property is vacant land. Therefore, the borrower has no structure/improvement to Insure and Insurance would not be applicable here. | 08/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223891917 |  |  |  | 34167798 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Insurance verification for REO listed in the final 1003 Upon receipt of the missing insurance verification, additional conditions may apply. |  |  |  | Reviewer Comment (2025-08-13): Received property history report, vacant land HOI not required<br>Buyer Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 08/13 AD: These properties are vacant land. Therefore, the borrower has no structure/improvement to Insure and Insurance would not be applicable here. | 08/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223891917 |  |  |  | 34167827 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Loan file is missing Mortgage statement for REO listed in the final 1003 Upon receipt of the missing Mortgage statement, added exceptions for mortgage statement |  |  |  | Reviewer Comment (2025-08-13): Received CD<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 08/13 AD: Please see attached mortgage statement verifying the payment Underwriting used for qualification. | 08/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223891930 |  |  |  | 34171502 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-08-15): Document Received, Exception Cleared<br>Seller Comment (2025-08-15): Comment from [REDACTED] ([REDACTED]): 8/15 MM: Please see attached document<br>Reviewer Comment (2025-08-14): Uploaded document is OFAC and Fraud report is required, exception remains.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 8/13 MM: Please see attached document | 08/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| 223891930 |  |  |  | 34171556 |  | 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 3.11023% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED]vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .11023%). |  |  |  |  | Reviewer Comment (2025-08-11): Client elects to waive. |  |  | 08/11/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| 223891930 |  |  |  | 34171559 |  | 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 [REDACTED] exceeds tolerance of[REDACTED] plus 10% or [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-08): Sufficient Cure Provided At Closing |  | 08/08/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223891930 |  |  |  | 34171560 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [REDACTED], prior to three (3) business days from transaction date of [REDACTED] |  |  |  |  | Reviewer Comment (2025-08-25): Received Letter of Explanation, Proof of Delivery, and evidence of Re-opened Rescission using the correct model form.<br>Seller Comment (2025-08-25): Comment from [REDACTED] ([REDACTED]): CT 8/25: Please see the attached remediation with proof of delivery //<br>Reviewer Comment (2025-08-14): The RTC disclosure was signed by the borrower on 07/31/2025. Eligible disbursement date is 08/05/2025. Final signed/stamped settlement statement confirms disbursement on 07/29/2025. Required remediation: TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): CT 8/13: Please see the attached reflecting a disbursement date of 7/29 |  | 08/25/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| 223891930 |  |  |  | 34171561 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/07/24/2025) |  |  |  | Reviewer Comment (2025-08-13): [REDACTED] received CD dated 07/16/2025<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): CT 8/12: Please see the attached CD | 08/13/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| 223892031 |  |  |  | 34171018 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Subject DSCR of 0.86 is calculated based on P&I [REDACTED] Tax [REDACTED] HOI [REDACTED] HOA $0 Totals [REDACTED]/Market rent [REDACTED] which is less than 1.00 minimum DSCR required. |  |  |  | Reviewer Comment (2025-08-14): Confirmed guidelines allow for minimum DSCR of .75.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): The loan is Edge Expanded non qm- DSCR allowed to .75, meets guidelines, please revisit | 08/14/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 223892031 |  |  |  | 34182729 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-08-13): Document Received, Exception Cleared<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): Please see attached | 08/13/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | Yes |
| 223900367 |  |  |  | 34176142 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-08): received final title | 09/08/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900367 |  |  |  | 34182635 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  |  |  |  |  | Reviewer Comment (2025-09-08): received final title<br>Seller Comment (2025-09-04): Comment from Ray Scott (Guaranteed Rate) (Ray Scott (Guaranteed Rate)): 9/4 SW- see attached | 09/08/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223900379 |  |  |  | 34177371 |  | 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 Higher Priced QM (APOR). | APR on subject loan of 8.58073% or Final Disclosure APR of 8.59100% is equal to or greater than the threshold of APOR 6.89% + 1.5%, or 8.39000%, hence the loan qualified as Higher Priced QM(APOR) |  |  |  |  | 08/12/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223900379 |  |  |  | 34187968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223900402 |  |  |  | 34183284 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 07/08/2025 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/[REDACTED])<br> Remove/Clear Exceptions |  |  |  | Reviewer Comment (2025-08-14): [REDACTED] received seller CD.<br>Seller Comment (2025-08-13): Comment from [REDACTED] ([REDACTED]): 8/13/25: The Seller CD reflecting any seller paid items has been uploaded. | 08/14/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223900402 |  |  |  | 34189949 |  | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Valid Change of Circumstance is not in file for this fee. |  |  |  | Reviewer Comment (2025-08-12): Sufficient Cure Provided At Closing |  | 08/12/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223900871 |  |  |  | 34182673 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-08-12): Document Received, Exception Cleared<br>Seller Comment (2025-08-12): Comment from [REDACTED] ([REDACTED]): Final 1003 | 08/12/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223900949 |  |  |  | 34183001 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Purchase | B A | N/A | N/A | No |
| 223900984 |  |  |  | 34183618 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable. HOA insurance has a 10% wind/hail deductible. Approved exception (LRP) in file. | Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Same employment > 5 years.<br>LTV/CLTV 10% or more below program max. | Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator |  |  |  | 08/13/2025 | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223900984 |  |  |  | 34191524 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.94979% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and [REDACTED] (2025). Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED] (2025) (an overage of [REDACTED] or 4.94979%). |  |  |  |  |  | 08/14/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223900984 |  |  |  | 34191525 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [REDACTED] on Final Closing Disclosure provided on [REDACTED] are overdisclosed. |  |  |  |  |  | 08/18/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223900984 |  |  |  | 34191529 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 08/14/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223900984 |  |  |  | 34191530 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on[REDACTED] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on 07/21/2025 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/07/21/2025) |  |  |  |  | 08/14/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223900984 |  |  |  | 34191531 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/21/2025) |  |  |  |  | 08/14/2025 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 223900984 |  |  |  | 34197562 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  |  | 08/13/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223900984 |  |  |  | 34206462 |  | 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 4.94979% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and [REDACTED] (2025). Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED]vs. an investor allowable total of [REDACTED] and [REDACTED] (2025) (an overage of [REDACTED] or 4.94979%). |  |  |  |  |  |  |  | 08/14/2025 | 2 B |  | CO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223900984 |  |  |  | 34206463 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  | 08/18/2025 |  |  | 1 A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223900998 |  |  |  | 34182737 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  |  | 08/21/2025 |  |  | 1 A |  | HI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223900998 |  |  |  | 34182744 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 08/21/2025 |  |  | 1 C A |  | HI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223900998 |  |  |  | 34182867 |  | 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 [REDACTED] exceeds tolerance of[REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/11/2025 |  | 1 A |  | HI | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223900998 |  |  |  | 34182869 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  | 08/13/2025 |  |  | 1 B A C |  | HI | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223900998 |  |  |  | 34200335 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | HI | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223901252 |  |  |  | 34182637 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non- warrantable due to 81% commercial space. Approved exception (LRP) in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-12): Exception approval provided, meets buyers waiver policy. |  |  | 08/12/2025 | 2 B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223901252 |  |  |  | 34189307 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable. |  |  |  | Reviewer Comment (2025-08-12): Condo is non-warrantable. See other exception. | 08/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223901261 |  |  |  | 34182155 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-09-08): received additional income documents<br>Reviewer Comment (2025-08-25): Approval shows Full Doc, DU could not validate income, guidelines require tax transcripts (if not bank statement), missing 1099s and transcripts as required per guidelines<br>Seller Comment (2025-08-19): Comment from [REDACTED] ([REDACTED]): Business Docs<br>Reviewer Comment (2025-08-14): Failing due to General QM rule: Unable to verify Sole Proprietorship income using reasonably reliable third-party records.<br>Seller Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): LOX email from Compliance | 09/08/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223901261 |  |  |  | 34182156 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2025-09-08): received additional income documents<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): all income docs on file<br>Reviewer Comment (2025-08-25): Approval shows Full Doc, DU could not validate income, guidelines require tax transcripts (if not bank statement), missing 1099s and transcripts as required per guidelines<br>Buyer Comment (2025-08-19): Comment from [REDACTED] ([REDACTED]): When the company was started on 2013, the borrower was married and the company name was homes by [REDACTED] & [REDACTED]DBA [REDACTED]. The borrowers got divorced and changed the name of the company to Homes By [REDACTED], DBA [REDACTED]. Other documents were uploaded on the other condition<br>Reviewer Comment (2025-08-14): Failing due to General QM rule: Unable to verify Sole Proprietorship income using reasonably reliable third-party records.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Per Compliance team, I do not believe that the first condition actually applies on this loan. This loan passes QM and does have Safe Harbor. | 09/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223901261 |  |  |  | 34187419 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception (LRP) in file for lack of pay history on underlying lien. Payments have been made from joint account (documented with 12 months statements) and hasn't established payments made by the borrower. | Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Same employment > 5 years<br>FICO > 20 points above program minimum | Originator Pre-Close,Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2025-08-12): Exception approval provided, meets buyers waiver policy. |  |  | 08/12/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223903991 |  |  |  | 34192578 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.04586% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and [REDACTED] (2025). Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED] (2025) (an overage of [REDACTED] or 4.04586%). |  |  |  |  |  | 08/14/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223903991 |  |  |  | 34192580 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 08/14/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223903991 |  |  |  | 34207427 |  | 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 4.04586% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and [REDACTED] (2025). Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of[REDACTED] and[REDACTED] (2025) (an overage of [REDACTED] or 4.04586%). |  |  |  |  |  |  |  | 08/14/2025 | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223903991 |  |  |  | 34207428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223904109 |  |  |  | 34191199 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-18): Received REO documents, exception cleared.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): Property Docs | 08/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223904109 |  |  |  | 34191306 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-09-15): Received Verification of Employment, exception cleared.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): VOE<br>Reviewer Comment (2025-09-08): Received document dated [REDACTED] (post closing) showing borrower is employed and recent pay dates but it is not within 10 days as required<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): VOE<br>Reviewer Comment (2025-08-18): Provided document is Third Party Verification of Income & Verification(s) of employment within 10 business days of the Note is required, exception remains.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): VOE | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223904111 |  |  |  | 34186464 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | REO negative cash flow of[REDACTED] for the property located on XXX was not included in the lender's DTI calculations. |  |  |  | Reviewer Comment (2025-08-18): Departing residence to be sold. Appraisal, LOE, verification of current balance provided. Omission allowed per guidelines. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0306 appraisal for property located at [REDACTED] , Doc ID 0317 mortgage statement and DOC ID 0522 letter of intent- debt was omitted, see pages 17 and 18 of the guidelines- please revisit | 08/18/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904111 |  |  |  | 34186472 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 62.06442% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | REO negative cash flow of [REDACTED] for the property located on XXX was not included in the lender's DTI calculations. |  |  |  | Reviewer Comment (2025-08-18): Departing residence to be sold. Appraisal, LOE, verification of current balance provided. Omission allowed per guidelines. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0306 appraisal for property located at [REDACTED] , Doc ID 0317 mortgage statement and DOC ID 0522 letter of intent- debt was omitted, see pages 17 and 18 of the guidelines- please revisit | 08/18/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904111 |  |  |  | 34186473 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-08-18): Departing residence to be sold. Appraisal, LOE, verification of current balance provided. Omission allowed per guidelines. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0306 appraisal for property located at [REDACTED] , Doc ID 0317 mortgage statement and DOC ID 0522 letter of intent- debt was omitted, see pages 17 and 18 of the guidelines- please revisit | 08/18/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904111 |  |  |  | 34186475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-08-18): Departing residence to be sold. Appraisal, LOE, verification of current balance provided. Omission allowed per guidelines. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0306 appraisal for property located at [REDACTED] , Doc ID 0317 mortgage statement and DOC ID 0522 letter of intent- debt was omitted, see pages 17 and 18 of the guidelines- please revisit | 08/18/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223904111 |  |  |  | 34186476 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or $[REDACTED]. Insufficient or no cure was provided to the borrower. | Total amount of [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-25): [REDACTED] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Seller Comment (2025-08-22): Comment from [REDACTED] ([REDACTED]): attached<br>Reviewer Comment (2025-08-18): [REDACTED] received corrected PCCD updating the title fee and recording fees. However, the recording fee disclosed initially is $[REDACTED] while on PCCD it is $[REDACTED]. The required cure for 10% tolerance is $[REDACTED]. A valid COC for increase in recording fee or cure would be required.<br>Seller Comment (2025-08-15): Comment from [REDACTED] ([REDACTED]): attached |  | 08/25/2025 |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223904111 |  |  |  | 34186477 |  | 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 Abstract / Title Search. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-15): [REDACTED]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see DOC ID 0263 cure provided at closing | 08/15/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223904111 |  |  |  | 34197749 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable. Non-Gut conversion in less than 3 years without PERS approval. Approved exception (LRP) in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-13): Exception approval provided, meets buyers waiver policy. |  |  | 08/13/2025 | 2 B |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904112 |  |  |  | 34185978 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC |  |  |  | 08/13/2025 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904112 |  |  |  | 34185982 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Updated as per document and Guidelines. |  |  |  | Reviewer Comment (2025-08-18): Data entry error corrected. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0191- Proceeds, sent to title and reserves. | 08/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904150 |  |  |  | 34186095 |  | 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. | The Right to Cancel was issued on the incorrect form. Please provide the following: Letter of explanation, proof of delivery, and re-open rescission using the correct model form. Note: This exception cannot be cured until the new rescission period ends. |  |  |  |  | 08/25/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223904150 |  |  |  | 34196355 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower. | Transfer tax Fee was last disclosed as $0.00 on the Loan Estimate, but was disclosed as $10.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $10.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made |  |  |  |  |  | 08/13/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223904150 |  |  |  | 34283178 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904158 |  |  |  | 34192513 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-08-15): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-08-14): Comment from [REDACTED] ([REDACTED]): Please retest to Higher Priced QM | 08/15/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223904158 |  |  |  | 34207889 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tax preparer is a PTIN. Approved exception (LRP) in file to allow them to verify borrower's business as they have prepared the borrower's tax returns. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED] | FICO > 20 points above program minimum<br>Down payment, closing costs and reserves all coming from borrower's own funds. | Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-14): Exception approval provided, meets buyers waiver policy. |  |  | 08/14/2025 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223904158 |  |  |  | 34208012 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title commitment was vested in the borrower's name only, however, the Deed was vested in the borrower and spouse's name. |  |  |  | Reviewer Comment (2025-08-19): Received updated title<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): Title Report | 08/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223904158 |  |  |  | 34214793 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223904652 |  |  |  | 34189749 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  |  |  |  |  | Reviewer Comment (2025-08-21): Received Articles of Organization, exception cleared.<br>Seller Comment (2025-08-20): Comment from [REDACTED] ([REDACTED]): Attach is proof that Borr 2 is the sole owner..<br>Reviewer Comment (2025-08-19): Account [REDACTED] in business name.<br>Buyer Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): can you advise access to what funds are you referring to? Please be specific | 08/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223904652 |  |  |  | 34189750 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-19): Received in trailing documents.<br>Seller Comment (2025-08-19): Comment from [REDACTED] ([REDACTED]): attached | 08/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223913684 |  |  |  | 34203887 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-08-25): Received Note document, exception cleared.<br>Seller Comment (2025-08-22): Comment from [REDACTED] ([REDACTED]): Please see all REO docs including the note. Payment can be calculated using the note ([REDACTED]% i/o on [REDACTED]k is [REDACTED])<br>Reviewer Comment (2025-08-19): There is no mortgage in Final 1003 application on Address: [REDACTED]but in UW Income Analysis Worksheet Doc ID 0622, Mortgage payments has been considered & need Mortgage statement to verify the monthly PITIA, exception remains.<br>Seller Comment (2025-08-19): Comment from [REDACTED] ([REDACTED]): REO docs<br>Reviewer Comment (2025-08-19): Mortgage statement is provided for unit 103 & required for Address:[REDACTED], exception remains.<br>Seller Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): REO docs | 08/25/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 223913684 |  |  |  | 34214808 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable. Does not meet the 7% budget reserve guideline requirement. Approved exception (LRP) in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-15): Exception approval provided, meets buyers waiver policy. |  |  | 08/15/2025 | 2 B |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 223913695 |  |  |  | 34204615 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-08-18): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-08-18): Comment from [REDACTED] ([REDACTED]): Please retest to higher priced QM | 08/18/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223913695 |  |  |  | 34232196 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223913717 |  |  |  | 34201149 |  | 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 Review Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Fee increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-08-13): Sufficient Cure Provided At Closing |  | 08/13/2025 |  | 1 A |  | AZ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223915494 |  |  |  | 34204150 |  | 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[REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/14/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223915494 |  |  |  | 34204151 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/14/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223915494 |  |  |  | 34204152 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  | 08/20/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223915494 |  |  |  | 34252074 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223915759 |  |  |  | 34210106 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage statement for 1 and 2 lien. |  |  |  |  | 08/26/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223915759 |  |  |  | 34210307 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 08/25/2025 |  |  | 1 B A C |  | CO | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223915759 |  |  |  | 34210308 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/08/05/2025) |  |  |  |  | 08/26/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223915759 |  |  |  | 34295816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after 08/05/2025 contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | APR increased over0.125% and the CD not being received by borrower at least 3 business days prior to closing. |  |  |  |  | 09/05/2025 |  |  | 1 A |  | CO | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223915786 |  |  |  | 34211870 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223915957 |  |  |  | 34210879 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable due to commercial space of 66% being greater than the 25% guideline max allowance. Lender exception is in file. Investor consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-25): okay to waive and downgrade per client email [REDACTED] |  |  | 08/25/2025 | 2 C B |  | WA | Investment | Purchase | C B A | N/A | N/A | No |
| 223922748 |  |  |  | 34224408 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-19): Received Title Supplement, Exception cleared.<br>Seller Comment (2025-08-19): Comment from [REDACTED] ([REDACTED]): title supplement | 08/19/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223922748 |  |  |  | 34246598 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing 2 months of business bank statement as required by LRP overlay |  |  |  | Reviewer Comment (2025-09-04): Using co-mingled accounts per guidelines<br>Reviewer Comment (2025-08-27): Buyer to review<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): LOE | 09/04/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223922812 |  |  |  | 34213793 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Per loan Approval, subject transaction is a cash-out refinance reviewed to Pink guidelines. |  |  |  | Reviewer Comment (2025-08-25): Confirmed delayed purchase refinance.<br>Buyer Comment (2025-08-21): Comment from [REDACTED] ([REDACTED]): 8/21 CW: Due to the cash-out being for delayed financing, loan is underwritten to rate and term matrix allowing for 80% LTV. | 08/25/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922812 |  |  |  | 34213794 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Per loan Approval, subject transaction is a cash-out refinance reviewed to Pink guidelines. |  |  |  | Reviewer Comment (2025-08-25): Confirmed delayed purchase refinance.<br>Buyer Comment (2025-08-21): Comment from [REDACTED] ([REDACTED]): 8/21 CW: Due to the cash-out being for delayed financing, loan is underwritten to rate and term matrix allowing for 80% LTV. | 08/25/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922812 |  |  |  | 34279869 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | Added following seller confirmation of delayed financing. Missing original settlement statement required per guidelines. |  |  |  | Reviewer Comment (2025-09-02): Received in trailing documents.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): 8/28 CW: See attached settlement statement | 09/02/2025 |  |  | 1 A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922812 |  |  |  | 34279872 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Added following seller confirmation of delayed financing. Missing source of funds for original purchase required per guidelines. |  |  |  | Reviewer Comment (2025-09-02): Received in trailing documents.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): 8/28 CW: See attached, funds came from loan on an REO, title confirms the transactions were completed same day and that was the source of funds. | 09/02/2025 |  |  | 1 A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223922894 |  |  |  | 34228156 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo Is Non-Warrantable. Project does not meet the Fannie Mae requirements due to Actual Cash Value hazard policy. Project does not have Building Ordinance and Law endorsement for hazard. . Approved exception (LRP) in file | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-19): Exception approval provided, meets buyers waiver policy. |  |  | 08/19/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223922894 |  |  |  | 34234899 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable there is fa lender approved exception in the loan file. |  |  |  | Reviewer Comment (2025-08-19): Condo is non-warrantable - see other exception | 08/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223925676 |  |  |  | 34245112 |  | 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 (Third Circuit) | 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. |  |  |  |  | Reviewer Comment (2025-09-10): Cure documentation received.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): New NORTC is signed by borrower, LOE is not required. See TRID 4.0, snippet attached. Thank you.<br>Reviewer Comment (2025-09-04): Received RTC and proof of electronic delivery, missing LOE<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): H9 form |  | 09/10/2025 |  | 2 C B |  | NJ | 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 |
| 223925677 |  |  |  | 34234148 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 08/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223925677 |  |  |  | 34234153 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 08/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223925677 |  |  |  | 34234184 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [REDACTED], prior to three (3) business days from transaction date of [REDACTED] |  |  |  |  |  | 08/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223925677 |  |  |  | 34249969 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223925687 |  |  |  | 34243789 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business Purpose Certificate missing Notary signature/stamp. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED] |  | SitusAMC | Reviewer Comment (2025-09-08): okay to waive and downgrade per client email [REDACTED]<br>Reviewer Comment (2025-08-25): Received post-closing Business Purpose Certificate. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-08-25): Comment from [REDACTED] ([REDACTED]): attached |  |  | 09/08/2025 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| 223934669 |  |  |  | 34230078 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is required for all members of the entity. There are two members and the file contains a Guarantor Agreement for only one of the members. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Waived with compensating factors per lender direction.<br>Buyer Comment (2025-05-20): Management exception granted for singular signature of guarantor. Borrower has a low LTV point at 65% and borrower has >72 mos mortgage history with 0x30. Waive per lender |  |  | 05/30/2025 | 2 D B |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223934669 |  |  |  | 34230079 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The guidelines require a credit report to be pulled on all owners of the business entity. The file is missing a credit report for additional owner. | 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. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-30): Waived with compensating factors per lender direction.<br>Buyer Comment (2025-05-20): Management exception granted for singular signature of guarantor. Borrower has a low LTV point at 65% and borrower has >72 mos mortgage history with 0x30. Waive per lender<br>Reviewer Comment (2025-05-09): Per the guidelines, 100% of the entity owners and guarantors to execute an authorization that allows the lender to run a credit report and background. The file contains the background check but not the credit report. Credit report will be required for Robert.<br>Buyer Comment (2025-05-05): There is only 1 guarantor [REDACTED] on this loan. |  |  | 05/30/2025 | 2 D B |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223934672 |  |  |  | 34230092 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing warranty deed transferring ownership to borrowing entity. |  |  |  | Reviewer Comment (2025-05-30): Deed provided.<br>Buyer Comment (2025-05-20): Warranty Deed uploaded | 05/30/2025 |  |  | 1 D A |  | IL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223934674 |  |  |  | 34230097 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Project approval is missing. |  |  |  | Reviewer Comment (2025-06-22): Per client, subject is non-warrantable condo.<br>Buyer Comment (2025-06-13): Confirmed. Loan was underwritten as non-warrantable reducing overall leverage by 10%<br>Reviewer Comment (2025-06-06): Per the HOA questionnaire provided, subject is considered non-warrantable. Owner occupancy rate is less than 50% and per section 18, question a indicates the project's budget is not adequate. Please confirm loan was underwritten as non-warrantable. Additional conditions may apply.<br>Buyer Comment (2025-05-28): EV23983 Condo questionnaire | 06/22/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223934685 |  |  |  | 34230124 |  | 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 ___. | Per guidelines for unleased refinances, a 10% LTV reduction is required. Maximum LTV is 70% based on unleased property and loan was approved at 75.14126% LTV. | 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.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The DSCR of [REDACTED] is greater than the minimum required DSCR of 1.00..<br>Guidelines Representative FICO: 700<br> Representative FICO:[REDACTED] | SitusAMC,Aggregator<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-08-08): Waived with compensating factors per investor request.<br>Buyer Comment (2025-08-06): Please waive based on the following compensating factors: (1) the majority of the units are occupied (8 out of 9), (2) the combined DSCR is [REDACTED], (3) the sponsors have [REDACTED] FICO and [REDACTED] FICO. (same condition as the one above that's now complete). |  |  | 08/08/2025 | 2 B |  |  | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 223934685 |  |  |  | 34299461 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guarantor has numerous felony charges reporting on Background check (Doc ID 0448, p 15-22, LOE Doc ID 0463). |  |  |  | Reviewer Comment (2025-09-02): Charges were either not pursued or dropped per Background Report. | 09/02/2025 |  |  | 1 A |  |  | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 223934686 |  |  |  | 34230127 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Renewed Hazard Insurance Policy is required as current policy expires on 6/12/2025. |  |  |  | Reviewer Comment (2025-07-09): Renewal HOI received and 15 months premium withheld on final closing statement.<br>Buyer Comment (2025-06-25): EOI attached doc<br>Buyer Comment (2025-06-25): EOI attached | 07/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223934686 |  |  |  | 34299480 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | FN, no record of Background Report attempt for the Guarantor |  |  |  |  | 09/08/2025 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223934950 |  |  |  | 34258515 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-04): Received required documents<br>Buyer Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): Doc ID [REDACTED] bank ID's the property and the account number, matching the 1003- Doc ID (REDACTED) from (REDACTED) bank IDs the property and the account number matching the 1003- Doc ID (REDACTED) and (REDACTED) are the tax statements for [REDACTED]- please revisit<br>Reviewer Comment (2025-08-27): Received 2 mortgage statements and a pay history, unable to match them up<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): Taxes are escrowed with the mortgages for the 1st two properties. All taxes accounted for. <br>[REDACTED]: Mtg: (REDACTED) which includes escrows. No HOAs.<br>[REDACTED]: Mtg: (REDACTED) which includes escrows. No HOAs.<br>1[REDACTED]: HELOC: [REDACTED]. HOI: [REDACTED] / 12 = [REDACTED]. Taxes: County/Township: [REDACTED]/ 12 = [REDACTED]. School: [REDACTED]/ 12 = [REDACTED]. PITIA: [REDACTED] | 09/04/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223935026 |  |  |  | 34237861 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-08-25): Received updated policy in trailing.<br>Seller Comment (2025-08-25): Comment from [REDACTED] ([REDACTED]): Title Commitment | 08/25/2025 |  |  | 1 B A |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223935284 |  |  |  | 34249753 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable. |  |  |  | Reviewer Comment (2025-08-21): Condo is non-warrantable. See other exception. | 08/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223935284 |  |  |  | 34249763 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception (LRP) in file due to the HOA budget having less than 10% allocated for reserves. | 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. | FICO > 20 points above program minimum<br>Reserves > 4 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-21): Exception approval provided, meets buyers waiver policy. |  |  | 08/21/2025 | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223937033 |  |  |  | 34241901 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223937033 |  |  |  | 34241916 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Non-warrantable condo with outstanding critical repairs. Project currently flagged as "unavailable" in FNMA database for outstanding critical repairs related to the SB-326 balcony inspection. |  |  |  |  | 08/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223937033 |  |  |  | 34259913 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable due to outstanding critical repairs. Project currently flagged as "unavailable" in FNMA database for outstanding critical repairs related to the SB-326 balcony inspection. Approved exception (LRP) in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | FICO > 20 points above program minimum<br>LTV/CLTV > 10% below program maximum<br>LTV/CLTV > 10% below program maximum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC<br>Originator Pre-Close,Aggregator,SitusAMC |  |  |  | 08/21/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223941551 |  |  |  | 34246974 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  |  | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 223941551 |  |  |  | 34246992 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 223941657 |  |  |  | 34248994 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of 9.17925% is equal to or greater than the threshold of 9.00000%. |  |  |  |  |  | 08/25/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223941657 |  |  |  | 34248995 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/20/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223941657 |  |  |  | 34248997 |  | 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 Non QM. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. |  |  |  |  | 08/25/2025 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223941657 |  |  |  | 34280358 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223942423 |  |  |  | 34258764 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-29): Received Bank statements, exception cleared.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): Attached are additional assets in the amount of $[REDACTED]which should be sufficient to meet the 4 months reserves. | 08/29/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223942423 |  |  |  | 34322541 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank Statements provided do not suffice the reserve requirement. |  |  |  | Reviewer Comment (2025-09-15): updated to include cash out<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Please see attached verification of $[REDACTED] POC. Borrower has sufficient reserves. Assets verified $[REDACTED] plus C/O from CD of $[REDACTED] = $[REDACTED]. Reserves required total $[REDACTED]. Thank you!<br>Reviewer Comment (2025-09-10): The recent balance for account#[REDACTED] reflects balance of $[REDACTED] as per Doc ID 0164 and hence insufficient funds, exception remains.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): It appears sufficient funds have been provided.<br>Reserves required $[REDACTED]<br>Assets:<br> Cash Proceeds: $[REDACTED]<br> Regions Bank #[REDACTED] $[REDACTED]<br> Regions Bank #[REDACTED] $[REDACTED]<br> Navy FCU #[REDACTED] $[REDACTED]<br>Total Assets: $[REDACTED] (5.83 months reserves.) | 09/15/2025 |  |  | 1 A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223945550 |  |  |  | 34264143 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-02): Document Received, Exception Cleared<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): e-consent cert | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223945550 |  |  |  | 34264160 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-03): Received in trailing documents.<br>Seller Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): hi. Please clarify. the prelim shows a proposed insured amount of [REDACTED] this is more than the loan amount coverage.<br>Reviewer Comment (2025-08-29): The Commitment does not reflect a coverage amount of Lender, <br> Please provide Coverage amount reflecting Lender Proposed Amount of insurance<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): hi. prelim shows proposed insured amount [REDACTED] see attached | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223945550 |  |  |  | 34264203 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-09-02): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Higher Priced QM. Thank you! | 09/02/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223945550 |  |  |  | 34342478 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-09-03): Remains Open, EV2.<br>Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223945562 |  |  |  | 34261598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure [REDACTED] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/[REDACTED]) |  |  |  | Reviewer Comment (2025-09-10): [REDACTED] received corrected PCCD and LOE<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): seller CD and PC CD |  | 09/10/2025 |  | 2 C B |  | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223945818 |  |  |  | 34274122 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-12): no HOA<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Please see Zillow snips attached for both properties. HOA is not applicable for either property. Thank you!<br>Reviewer Comment (2025-09-08): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: HOA Verification, Statement<br> HOA Verification, Insurance Verification, Tax Verification<br>Reviewer Comment (2025-09-08): Still missing HOA for both properties<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): [REDACTED] tax and HOI, house owned free and clear; [REDACTED] TFCU Heloc - credit supplement<br>Reviewer Comment (2025-09-02): EXCEPTION HISTORY - Exception Explanation was updated on [REDACTED] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Statement, Tax Verification<br> HOA Verification, Insurance Verification, Tax Verification<br>Reviewer Comment (2025-09-02): Still missing Tax, insurance and HOA for [REDACTED] . Missing mortgage statement and HOA for [REDACTED].<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): REO docs | 09/12/2025 |  |  | 1 C A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274131 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-08-27): Received CDA, Exception cleared.<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): CDA | 08/27/2025 |  |  | 1 D A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274132 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-08-27): Document Received, Exception Cleared<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): SS letter | 08/27/2025 |  |  | 1 C A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274138 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Approval | 09/04/2025 |  |  | 1 C A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274139 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-08-27): Document Received, Exception Cleared<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): Initial 1003 | 08/27/2025 |  |  | 1 B A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Other Income Doc Source NULL | General QM: Unable to verify alternate income source using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2025-09-02): received award letter | 09/02/2025 |  |  | 1 C A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-02): Received awards letter | 09/02/2025 |  |  | 1 C A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223945818 |  |  |  | 34274148 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-09-02): received award letter | 09/02/2025 |  |  | 1 B A C |  | NH | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223945818 |  |  |  | 34539648 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | For property located at [REDACTED] |  |  |  | Reviewer Comment (2025-09-24): Received in trailing documents.<br>Seller Comment (2025-09-24): Comment from [REDACTED] ([REDACTED]): Tax bill | 09/24/2025 |  |  | 1 A |  | NH | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223946361 |  |  |  | 34269299 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. |  |  |  |  | Reviewer Comment (2025-09-02): Clarification received. Paid by HOA.<br>Buyer Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): This is a condo. The HOA pays the flood insurance. | 09/02/2025 |  |  | 1 B A |  | NJ | Investment | Purchase | C A B | N/A | N/A | No |
| 223946361 |  |  |  | 34269311 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-05): Received Closing Disclosure, exception cleared.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): FCD<br>Reviewer Comment (2025-09-04): The legal address per the Note, Mortgage, Legal Description, Appraisal and Title is [REDACTED]<br>Buyer Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): The legal address is [REDACTED] and [REDACTED]<br>Reviewer Comment (2025-09-04): Subject is unit B, need for Unit A<br>Buyer Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): How is a statement needed when this is the subject property?<br>Reviewer Comment (2025-09-02): Received Tax certificate but Mortgage Statement for Address: [REDACTED] is still missing, exception remains.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): Tax Docs attached<br>Reviewer Comment (2025-08-27): Tax document is provided for Unit B of Address: [REDACTED] and required Mortgage Statement, Tax certificate for Unit A of Address: [REDACTED], exception remains.<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): Taxes | 09/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A B | N/A | N/A | No |
| 223946361 |  |  |  | 34333444 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [REDACTED] exceeds Guideline total debt ratio of 50.00000%. |  |  |  | Reviewer Comment (2025-09-02): Received Tax certificate, exception cleared. | 09/02/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A B | N/A | N/A | No |
| 223946392 |  |  |  | 34268248 |  | 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. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  |  | 09/02/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223946392 |  |  |  | 34268249 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | The file was missing the third party verification For the borrower's business. Please provide evidence of the third party verification for the business obtained within 120 days of the Note date for review. |  |  |  |  | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223946392 |  |  |  | 34268271 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statements | Ability to Repay (Dodd-Frank 2014): Unable to verity Bank Statement income due to, bank statement provided was dated more than 90 days prior to closing, other verification was not provided from a reliable third party income source. | 12 Months of bank statement income has been qualified for the borrower. |  |  |  |  | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223946392 |  |  |  | 34268280 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing third party verification for the borrower's business. This exception will be cleared when all ATR related exceptions are cleared. |  |  |  |  | 09/02/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223946413 |  |  |  | 34272429 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-27): Received in trailing documents.<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): Non QM Expanded program. Lock and 1008 uploaded | 08/27/2025 |  |  | 1 C A |  | MN | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223946421 |  |  |  | 34281084 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable due to excessive commercial space. Investor consideration required. | Borrower has been employed in the same industry for more than 5 years.<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 [REDACTED]<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Okay to waive and downgrade per client email dated [REDACTED] |  |  | 09/09/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223946424 |  |  |  | 34269161 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-08-27): Updated policy received.<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): please see attached doc JK 8.27 | 08/27/2025 |  |  | 1 B A |  | IN | Investment | Purchase | B A |  | N/A | No |
| 223950848 |  |  |  | 34300648 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  |  | 08/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223950848 |  |  |  | 34300675 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  |  | 08/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223950848 |  |  |  | 34300681 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223950864 |  |  |  | 34280328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-08-26): Received Approval, Exception cleared.<br>Seller Comment (2025-08-26): Comment from [REDACTED] ([REDACTED]): Loan Approval | 08/26/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 223950876 |  |  |  | 34274195 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-02): Received REO documents, exception cleared.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): REO Documents | 09/02/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223950876 |  |  |  | 34274387 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2025-09-02): Received Verification of Employment, exception cleared.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): VOE | 09/02/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223950876 |  |  |  | 34302240 |  | 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 [REDACTED]exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-26): Sufficient Cure Provided At Closing |  | 08/26/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223950887 |  |  |  | 34282308 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An appraisal correction appears to be needed. Page 2 appears to reflect that there was a prior sale of the subject on [REDACTED]which is not possible given that it is a future date. Please provide a correction for [REDACTED]to review. |  |  |  | Reviewer Comment (2025-09-04): received correction<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): 9/2 tm: attached | 09/04/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 223953191 |  |  |  | 34295904 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-02): Received lease in trailing documents.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): LOE and Supporting docs | 09/02/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953191 |  |  |  | 34295916 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (2025-09-09): loan disbursed [REDACTED]<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): final settlement stmt and PCCD | 09/09/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953191 |  |  |  | 34295942 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.40323% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED]or .40323%). |  |  |  |  | Reviewer Comment (2025-09-02): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 09/02/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953191 |  |  |  | 34295946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Unable to verify Real Estate Owned income (XX% Method) using reasonably reliable third-party records. (XXXX XXth (REDACTED)/XX% Vacancy Method) |  |  |  | Reviewer Comment (2025-09-02): Received lease in trailing documents. Compliance testing updated.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): LOE and Supporting docs | 09/02/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953191 |  |  |  | 34295947 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-09-02): Received lease in trailing documents. Compliance testing updated. | 09/02/2025 |  |  | 1 A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953191 |  |  |  | 34295948 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-09-02): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Please re-state/re-test to Non QM. Thank you! | 09/02/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223953191 |  |  |  | 34295949 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-08): [REDACTED] received corrected ALTA final SS, PCCD and LOE with fees reconciled as per final SS.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): final settlement stmt and PCCD<br>Reviewer Comment (2025-08-29): [REDACTED] received rebuttal, however we require cure of $[REDACTED] for $10% tolerance as title fees increased. Please valid COC for increase or provide cure of $[REDACTED] . Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): tolerance Screen showing no cure required |  | 09/08/2025 |  | 2 C B |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223953191 |  |  |  | 34342553 |  | 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 3.40323% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .40323%). |  |  |  |  | Reviewer Comment (2025-09-02): Client elects to waive. |  |  | 09/02/2025 | 2 B |  | OR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223953191 |  |  |  | 34342554 |  | 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. | Loan Designation restated. Compliance testing updated. |  |  |  | Reviewer Comment (2025-09-02): Received lease in trailing documents. Compliance testing updated. | 09/02/2025 |  |  | 1 A |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223953191 |  |  |  | 34343940 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Received lease in trailing documents. Compliance testing updated. |  |  |  | Reviewer Comment (2025-09-09): Remains Open, EV2.<br>Reviewer Comment (2025-09-03): Nothing more needed per seller commentary<br>Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 A B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223953424 |  |  |  | 34282584 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-08-27): Document Received, Exception Cleared<br>Seller Comment (2025-08-27): Comment from [REDACTED] ([REDACTED]): supplement | 08/27/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223953426 |  |  |  | 34282557 |  | 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 Survey Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-03): [REDACTED] received attestation is sufficient<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Attestation<br>Reviewer Comment (2025-08-28): [REDACTED] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): Survey fee is a title fee which is subject to good faith tolerance; no cure required | 09/03/2025 |  |  | 1 C A |  | NY | 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) | Safe Harbor QM (APOR) | Yes |
| 223953505 |  |  |  | 34280175 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223953505 |  |  |  | 34297237 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  |  |  |  | Reviewer Comment (2025-09-02): Confirmed disbursement date of [REDACTED] . Insurance effective at time of disbursement.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): FSS shows disbursement date [REDACTED] | 09/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223953512 |  |  |  | 34282346 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-08-29): Received REO documents, exception cleared.<br>Seller Comment (2025-08-28): Comment from [REDACTED] ([REDACTED]): REO | 08/29/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956027 |  |  |  | 34303640 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  |  | 09/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956027 |  |  |  | 34303641 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  |  | 09/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956027 |  |  |  | 34303678 |  | 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 [REDACTED] incorrectly disclosed whether property taxes are included in escrow. | Projected Payments: Final Closing Disclosure provided on 08/12/2025 incorrectly disclosed whether property taxes are included in escrow. |  |  |  |  |  | 09/03/2025 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223956027 |  |  |  | 34307429 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard Insurance only reflect machine coverage up to $250,000.00. Less than required agency requirement of the lesser of $2,000,000.00 or building coverage limit of $2,800,000.00. Approved exception (LRP) in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC |  |  |  | 08/27/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956031 |  |  |  | 34301394 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-09-04): Loan is SHQM (APOR). | 09/04/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223956038 |  |  |  | 34297482 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-03): Nothing more needed per seller<br>Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223956038 |  |  |  | 34297522 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-09): Received Verification of Deposit, exception cleared.<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): 9/8 MM: Please see attached documentation that shows that the WF account ending in [REDACTED] has a balance of $[REDACTED]<br>Reviewer Comment (2025-09-05): Verified assets include [REDACTED] : $[REDACTED]and [REDACTED]: $[REDACTED]. Total qualifying assets = $[REDACTED]<br>Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): 9/3 MM: The file does have sufficient funds to cover the reserve + cash to close requirement $[REDACTED]\*3=$[REDACTED]. The borrowers account has more than enough funds to cover that. | 09/09/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223956071 |  |  |  | 34311846 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset Amortization loans require 3 months of statements, only 2 months provided |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956071 |  |  |  | 34311908 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Asset amortization loans require 3 months of statements, only 2 months provided. |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956071 |  |  |  | 34311922 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Asset amortization loans require 3 months of statements, only 2 months provided. |  |  |  |  | 09/10/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223956071 |  |  |  | 34311923 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | Asset amortization loans require 3 months of statements, only 2 months provided. |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956071 |  |  |  | 34311937 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956071 |  |  |  | 34311952 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Asset amortization loans require 3 months of statements, only 2 months provided. |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956071 |  |  |  | 34888128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) - VSH Not Confirmed | Qualified Mortgage: Loan does not meet Verification Safe Harbor because income documentation does not meet requirements. | Cleared with receipt of additional income docs |  |  |  |  | 11/03/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223956076 |  |  |  | 34301848 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-borrower does not own primary residence, required per guidelines. A private party VOR provided (Doc ID 0514). Seller exception approval provided. Missing buyer credit exception approval. | 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 [REDACTED]<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): LRP Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): Please find the exception approval. Please clear. Thank you. |  |  | 08/29/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223963038 |  |  |  | 34310187 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [REDACTED] exceeds tolerance of [REDACTED]plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-08): [REDACTED] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): attached cure to be delivered Monday<br>Reviewer Comment (2025-09-02): [REDACTED] received COC dated 08/14 but the reason provided for increase in recording fee is not sufficient as to why the recording fee was increased. Please provide a valid COC or cure of $[REDACTED] is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): CoC attached. If this does not suffice, please advise of cure amount. |  | 09/08/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223963265 |  |  |  | 34306513 |  | 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 ___. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Meets aggregator's waiver policy<br>Buyer Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): Please waive downgrade, meets LRP matrix- fico 20 points above the minimum and housing 0x30x24 |  |  | 09/04/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223963265 |  |  |  | 34319751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property has an ongoing Fire Code violation per LOE, DOC ID 0564. Seller confirms confirmation from code enforcement required prior to proceeding, Doc ID 0470, page 4. Buyer credit exception approval provided, Doc ID 0361. Investor consideration required. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-08): Okay to waive and downgrade per client email [REDACTED]<br>Reviewer Comment (2025-09-04): Buyer review required<br>Seller Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): LRP exception is approved and based on the attached email, please clear<br>Reviewer Comment (2025-08-29): Moved to buyer/investor queue.<br>Buyer Comment (2025-08-29): Comment from [REDACTED] ([REDACTED]): Any update on investor approval per exception request? |  |  | 09/08/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223963270 |  |  |  | 34305329 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  |  | 08/28/2025 |  |  | 1 A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963270 |  |  |  | 34306902 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide 12 months banks statements for rent on primary residence to payments per lease agreement in file. |  |  |  |  | 09/04/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963270 |  |  |  | 34313198 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | ATLA coverage amount is missing from the title commitment. |  |  |  |  | 08/28/2025 |  |  | 1 B A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 223963271 |  |  |  | 34331485 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 09/08/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223963271 |  |  |  | 34334412 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 223963425 |  |  |  | 34312953 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-09-09): Document Received, Exception Cleared<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Condo Questionnaire | 09/09/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 223963425 |  |  |  | 34313019 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condotel. Non-warrantable. |  |  |  | Reviewer Comment (2025-08-27): Condotel. Non-warrantable. | 08/27/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 223963499 |  |  |  | 34311953 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-09-04): Received Underwriting and Transmittal Summary (1008), exception cleared.<br>Buyer Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0260 page 10, simultaneous purchase. [REDACTED] is an investment property purchase-Please see doc ID 0276, Doc ID 0411 and 0412- There is no mortgage statement-<br>Reviewer Comment (2025-09-03): Mortgage Statement for Address: [REDACTED], exception remains.<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): [REDACTED] Drive Docs | 09/04/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223963500 |  |  |  | 34312281 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223963571 |  |  |  | 34312027 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-09-03): [REDACTED] received COC dated 03/28.<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): COC | 09/03/2025 |  |  | 1 C A |  | NJ | Second Home | 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) | Safe Harbor QM (APOR) | Yes |
| 223963571 |  |  |  | 34318577 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Appraisal disclosed Unit E in the property address, whereas, the Note did not disclose a unit number. |  |  |  | Reviewer Comment (2025-09-14): One in the same per the AKA on the legal description<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): The unit number is not necessary, as the address does not include "East" or "West." ; Legal Description included aka for "east unit" | 09/14/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223963571 |  |  |  | 34345461 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided within 60 Days of Closing |  | 09/03/2025 |  | 1 A |  | NJ | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223963640 |  |  |  | 34313611 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-09-02): Document Received, Exception Cleared<br>Seller Comment (2025-09-02): Comment from [REDACTED] ([REDACTED]): Final 1003 | 09/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223963655 |  |  |  | 34312335 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-08-28): Meets client guidelines. |  |  | 08/28/2025 | 2 B |  | HI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223963655 |  |  |  | 34312337 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): UPDATED TPOL | 09/04/2025 |  |  | 1 C A |  | HI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223963655 |  |  |  | 34312342 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared | 09/04/2025 |  |  | 1 A |  | HI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223972362 |  |  |  | 34321591 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): title supplement | 09/04/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34324547 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing bank statement for August 2024 |  |  |  | Reviewer Comment (2025-09-05): Received Bank statement, exception cleared.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Aug 2024 | 09/05/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34324551 |  | 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. | Missing bank statement for August 2024 |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Aug 2024 | 09/08/2025 |  |  | 1 B A C |  | HI | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 223972362 |  |  |  | 34324552 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Missing bank statement for August 2024 |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Aug 2024 | 09/08/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34324553 |  | 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.) | Missing bank statement for August 2024 |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Aug 2024 | 09/08/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34324554 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing bank statement for August 2024 |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements | 09/08/2025 |  |  | 1 A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34324592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing August bank statement |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Aug 2024 | 09/08/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223972362 |  |  |  | 34363616 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-08): received missing bank statements | 09/08/2025 |  |  | 1 A |  | HI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223972820 |  |  |  | 34321772 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-08): Received proof of HOA fees<br>Seller Comment (2025-09-04): Comment from Purchase Clearing ([REDACTED]): Per Zillow, [REDACTED] has an HOA Fee of $[REDACTED] per month.<br>Reviewer Comment (2025-09-04): Property is a single family that is a PUD, provide evidence no HOA<br>Seller Comment (2025-08-29): Comment from Purchase Clearing ([REDACTED]): Property Profile [REDACTED]. Property use is a Single Family Residence and not Condominium. No HOA. | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223972842 |  |  |  | 34316773 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-25): Waive and downgrade per client email [REDACTED] |  |  | 09/25/2025 | 2 C B |  | UT | Investment | Purchase | C B A |  | N/A | No |
| 223972842 |  |  |  | 34321624 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-08-28): Condotel, non-warrantable. | 08/28/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
| 223972842 |  |  |  | 34321637 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | ALL STRs require evidence from third party vendor (such as Property Guard, Vrolio or equivalent) validating that the governing municipality where the subject STR is located allows properties to be rented as STRs. |  |  |  | Reviewer Comment (2025-09-04): Provided in file.<br>Buyer Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0439 | 09/04/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C B A |  | N/A | No |
| 223972842 |  |  |  | 34321679 |  | 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) ___. | 1007 provided did not include 20% reduction for STR. | 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 [REDACTED] |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): LRP Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Buyer Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade, meets LRP matrix for DSCR when 1007 market rent is reduced by 20%- Fico 20 + points over the minimum and reserves exceed 6 months over product minimum<br>Reviewer Comment (2025-09-04): Investor approval required. Loan was reviewed to CMG guidelines. Investor overlay requires 20% reduction for STR income.<br>Buyer Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade, meets LRP matrix- Fico 20 + points over the minimum and reserves exceed 6 months over product minimum |  |  | 09/10/2025 | 2 C B |  | UT | Investment | Purchase | C B A |  | N/A | No |
| 223972862 |  |  |  | 34326271 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Per guidelines: For multi-member entities (i.e. 2 or more owners) where only one member is a borrower on the loan, a Corporate Resolution must be obtained. |  |  |  | Reviewer Comment (2025-09-08): Document Received, Exception Cleared<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): 9/8 CW: See attached, borrower was 100% owner as of 2023.<br>Reviewer Comment (2025-09-04): EIN dated in 2019 cannot be used to verify sole membership. The Operating Agreement dated 07/28/2022 reflects two members. Corporate Resolution required per guidelines.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): 9/4 CW: See attached, IRS shows the borrower is sole member | 09/08/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 223972867 |  |  |  | 34322026 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.15191% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total[REDACTED] on a Federal Total Loan Amount of[REDACTED] vs. an allowable total of[REDACTED] (an overage of[REDACTED] or 1.15191%). |  |  |  |  |  | 09/02/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223972867 |  |  |  | 34322027 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  | 09/02/2025 |  |  | 1 B A C |  | SC | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223972867 |  |  |  | 34324067 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  |  |  |  |  |  | 10/01/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223972867 |  |  |  | 34342532 |  | 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 4.15191% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or 1.15191%). |  |  |  |  |  |  |  | 09/02/2025 | 2 B |  | SC | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223972867 |  |  |  | 34342533 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223977340 |  |  |  | 34323758 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977866 |  |  |  | 34324071 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-09-09): Document Received, Exception Cleared<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): 9/9 CW: See attached policy | 09/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 223978355 |  |  |  | 34324239 |  | 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 3.16329% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of[REDACTED] (an overage of [REDACTED]or .16329%). |  |  |  |  | Reviewer Comment (2025-09-02): Client elects to waive. |  |  | 09/02/2025 | 2 B |  | CO | 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 |
| 223978355 |  |  |  | 34335223 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Provide Interest Only Rider |  |  |  | Reviewer Comment (2025-09-23): No Rider disclosed on DOT.<br>Buyer Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): Interest Only Riders are not required and this is accepted by all other investors without I/O rider. | 09/23/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223978361 |  |  |  | 34323697 |  | 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 Review Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 08/29/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223978361 |  |  |  | 34323700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [REDACTED] is over disclosed by [REDACTED] compared to the calculated Amount Financed of [REDACTED]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [REDACTED] | 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 $XXX,XXX.XX is over disclosed by $XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX 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). |  |  |  |  | 09/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223978361 |  |  |  | 34323701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[REDACTED] is under disclosed by [REDACTED] compared to the calculated Finance Charge of [REDACTED] which exceeds the [REDACTED]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [REDACTED] | Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page X that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). |  |  |  |  | 09/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223978686 |  |  |  | 34324447 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978690 |  |  |  | 34324506 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-09-08): Received CDA, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): CDA | 09/08/2025 |  |  | 1 D A |  | MN | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978692 |  |  |  | 34325006 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978794 |  |  |  | 34325200 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978794 |  |  |  | 34325289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [REDACTED]disclosed an inaccurate Total of Payments on page 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 [REDACTED]). The disclosed Total of Payments in the amount of [REDACTED] is under disclosed by [REDACTED]compared to the calculated total of payments of [REDACTED] which exceeds the [REDACTED] threshold. | Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page X 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 $X,XXX,XXX.XX is under disclosed by $XXX.XX compared to the calculated total of payments of $X,XXX,XXX.XX which exceeds the $XXX.XX threshold. |  |  |  |  |  | 09/08/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223978856 |  |  |  | 34323164 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-08): Corrected value updated, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): 9/5 tm: An FSD score of [REDACTED] is eligible. | 09/08/2025 |  |  | 1 A D |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
| 223978856 |  |  |  | 34323169 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification is missing in this file. |  |  |  | Reviewer Comment (2025-09-08): Received HOA Verification, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): 9/5 tm: A quarterly statement was provided. | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
| 223978856 |  |  |  | 34324467 |  | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. |  | Asset provided less than 12 months qualified on 11 months statement as provided |  |  |  | Reviewer Comment (2025-09-08): Received Bank statement, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): 9/5 tm: attached | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
| 223978856 |  |  |  | 34341365 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. |  | Only 11 months of statements have been provided. |  |  |  | Reviewer Comment (2025-09-08): Received Bank statement, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): 9/5 tm: attached | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | N/A | No |
| 223978863 |  |  |  | 34322952 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-09-08): received proof of condo approval<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): Condo Warranty | 09/08/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978863 |  |  |  | 34322977 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-09-08): Received compliance certificate<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): IL Cert | 09/08/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223978863 |  |  |  | 34322978 |  | 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 07/08/2025 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. | Disclosures were sent to the borrower prior to obtaining consent for electronic disclosures. Lender to provide proof of e-consent within 3 days of the initial application, OR proof of disclosure sent to borrower using another method within 3 days of application. |  |  |  | Reviewer Comment (2025-09-05): [REDACTED] received disclosure summary suffice<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Fulfillment tracking - mailed 7-9 | 09/05/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979104 |  |  |  | 34323178 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared | 09/04/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979104 |  |  |  | 34350595 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | ALTA coverage amount is missing |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): attached final policy | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979142 |  |  |  | 34324431 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979148 |  |  |  | 34323524 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing the mortgage statement/taxes/insurance/HOA dues/all PITIA documentation for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-09-05): Received REO documents, exception cleared.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): attached | 09/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A | N/A | N/A | No |
| 223979163 |  |  |  | 34325269 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Received in trailing documents.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Approval | 09/04/2025 |  |  | 1 C A |  | MN | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979716 |  |  |  | 34333910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-08): Received Approval, exception cleared.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): Uplaoded UW approval. | 09/08/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979716 |  |  |  | 34333912 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223979716 |  |  |  | 34333914 |  | 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 Certification Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223979716 |  |  |  | 34333942 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-08): [REDACTED] received additional UW decision for change in pricing.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): Uploaded mavent report. | 09/08/2025 |  |  | 1 C A |  | OH | 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) | Safe Harbor QM (APOR) | Yes |
| 223979725 |  |  |  | 34324354 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification and Statement is missing in the file |  |  |  | Reviewer Comment (2025-09-05): Received REO documents, exception cleared.<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): attached documents | 09/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A | N/A | N/A | No |
| 223979743 |  |  |  | 34341762 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | per guidelines: ALL STRs require evidence from third party vendor (such as Property Guard, Vrolio or equivalent) validating that the governing municipality where the subject STR is located allows properties to be rented as STRs. |  |  |  | Reviewer Comment (2025-09-04): Provided in file.<br>Buyer Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Please see Doc ID 0426 | 09/04/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 223979747 |  |  |  | 34330663 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-08): Document Received, Exception Cleared<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): Please see attached | 09/08/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223979747 |  |  |  | 34347582 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2025-09-15): received post closing updated policy showing ISAOA<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Please see attached | 09/15/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223980088 |  |  |  | 34325212 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-12): Received CDA, Exception cleared.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): attached | 09/12/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223980093 |  |  |  | 34330955 |  | 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 3.89227% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of[REDACTED]vs. an investor allowable total of [REDACTED](an overage of [REDACTED]or .89227%). |  |  |  |  |  |  |  | 09/03/2025 | 2 B |  | MD | 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 |
| 223980093 |  |  |  | 34330958 |  | 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 | Purchase | B A | Non QM | Non QM | No |
| 223980093 |  |  |  | 34330959 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 9.81908% or Final Disclosure APR of 9.85100% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 223980096 |  |  |  | 34331000 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Articles of Incorporation | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331005 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Certificate of Good Standing | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Corporate Resolution | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331022 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Operating Agreement | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331024 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Title Commitment | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331041 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Title policy | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34331043 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): CDA review | 09/04/2025 |  |  | 1 D A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34334822 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Conditional Loan Approval | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223980096 |  |  |  | 34335047 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-09-04): Document Received, Exception Cleared<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): CPL | 09/04/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 223982690 |  |  |  | 34391130 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-09-16): Received Mortgage Statement, exception cleared.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]) : See docs for [REDACTED]. These were uploaded with the delivery file. | 09/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| 223982695 |  |  |  | 34341509 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Closing statement is missing for Sale of XXXX |  |  |  | Reviewer Comment (2025-09-09): Received Closing Disclosure, exception cleared.<br>Seller Comment (2025-09-08): Comment from XXXX (Guaranteed Rate): departure CD | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982695 |  |  |  | 34341514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) |  |  |  |  | Reviewer Comment (2025-09-09): Received in trailing documents. Compliance testing updated.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Please clear based on the other findings that is now clear | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982695 |  |  |  | 34341515 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-09-09): Received in trailing documents. Compliance testing updated.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Please clear based on the other findings that is now clear | 09/09/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223982695 |  |  |  | 34341607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-09): Received in trailing documents. Compliance testing updated.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Please clear based on the other findings that is now clear | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982709 |  |  |  | 34345924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982709 |  |  |  | 34345927 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982718 |  |  |  | 34349351 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. |  |  |  |  | Reviewer Comment (2025-09-15): Received borrower LOE for initial application error.<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Borr LOX | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 223982723 |  |  |  | 34341803 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-09): Received Tax certificate, exception cleared.<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): REO Taxes | 09/09/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982738 |  |  |  | 34343595 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-05): Document Received, Exception Cleared<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): attached | 09/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223982739 |  |  |  | 34343656 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-05): Document Received, Exception Cleared<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): audit trail and econsent uploaded | 09/05/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | N/A | N/A | No |
| 223982740 |  |  |  | 34335143 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-03): Document Received, Exception Cleared<br>Seller Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): attached | 09/03/2025 |  |  | 1 C A |  | ND | Investment | Purchase | D B A |  | N/A | No |
| 223982740 |  |  |  | 34335146 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-09-15): Disregarded entity. W-9 in file.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): state of (REDACTED), single entity LLC do not require a Employer Tax ID Number, They can used SS#. Loan file has proof that the borrower is the Sole Owner. | 09/15/2025 |  |  | 1 C A |  | ND | Investment | Purchase | D B A |  | N/A | No |
| 223982740 |  |  |  | 34335147 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-09-03): Document Received, Exception Cleared<br>Seller Comment (2025-09-03): Comment from [REDACTED] ([REDACTED]): attached | 09/03/2025 |  |  | 1 D A |  | ND | Investment | Purchase | D B A |  | N/A | No |
| 223982740 |  |  |  | 34335235 |  | 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 ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of X.XX is greater than the minimum required DSCR of X.XX. | SitusAMC,Aggregator | Reviewer Comment (2025-09-14): LRP Credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade with comp factors of: (1) 0X30X24 housing payment history. VOR in file, Doc ID 0XXX and (2) DSCR .XX or more above minimum (1.1 floor). The DSCR is [REDACTED]. Thank you! |  |  | 09/14/2025 | 2 C B |  | ND | Investment | Purchase | D B A |  | N/A | No |
| 223982762 |  |  |  | 34343654 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-09-12): Updated assets<br>Buyer Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): Funds were transferred to Borrower's USAA account so there should be sufficient funds. | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982762 |  |  |  | 34343671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2025-09-12): updated assets | 09/12/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223982762 |  |  |  | 34343672 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-09): [REDACTED] received initial CD dated 07/10.<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): ICD uploaded. | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982762 |  |  |  | 34344169 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-12): updated assets | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982762 |  |  |  | 34358489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-09-12): updated assets | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982847 |  |  |  | 34344141 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[REDACTED] exceeds tolerance of [REDACTED]nsufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-10): [REDACTED] received COC dated 06/11.<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Credit Reports dated 12.21 and 1.27<br>Reviewer Comment (2025-09-08): [REDACTED] received COC, however there is only credit report dated 06/08/2025 is available in file. Please provide the other credit report to re-evaluate the exception.<br>Seller Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): CoC for credit report fee. | 09/10/2025 |  |  | 1 C A |  | WI | Second Home | 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 |
| 223982853 |  |  |  | 34349942 |  | 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[REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | MN | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223982867 |  |  |  | 34345292 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-09-10): Not required, not used for income<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Full carry used in qualifying. please revisit--- Note from seller; alt documentation<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): alt documentation | 09/10/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A | N/A | N/A | No |
| 223982867 |  |  |  | 34362665 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo is non-warrantable due to Actual Cash Value coverage on roofs. Approved (LRP) exception in file. | 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. | FICO > 20 points above program minimum<br>Reserves > 6 months above program minimum | SitusAMC,Originator Pre-Close,Aggregator<br>Originator Pre-Close,Aggregator,SitusAMC | Reviewer Comment (2025-09-04): Exception approval provided, meets buyers waiver policy. |  |  | 09/04/2025 | 2 B |  | SC | Investment | Purchase | C B A | N/A | N/A | No |
| 223982867 |  |  |  | 34362677 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable. See other exception. |  |  |  | Reviewer Comment (2025-09-04): Condo is non-warrantable. See other exception. | 09/04/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A | N/A | N/A | No |
| 223982868 |  |  |  | 34349314 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-09-14): Confirmed no HOA.<br>Seller Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): Per ICE Property report and per Zillow and public records this is not a PUD it's a Single Family Resident located in a RURAL area that sits on 37.23 Acres. Zillow also under Community and neighborhood does not state there's a HOA See attached.. | 09/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223982889 |  |  |  | 34346987 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 09/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982889 |  |  |  | 34346991 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  | 09/10/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982889 |  |  |  | 34347031 |  | 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 [REDACTED]re underdisclosed. |  |  |  |  |  |  | 09/08/2025 |  | 2 C B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223982889 |  |  |  | 34347032 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 09/03/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223982889 |  |  |  | 34347039 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | The business tax returns provided are not the most recent, there is a tax extension document in the file |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223982910 |  |  |  | 34344101 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-09-08): Condo is non-warrantable<br>Seller Comment (2025-09-04): Comment from [REDACTED] ([REDACTED]): Condo approval | 09/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223992976 |  |  |  | 34351461 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223992978 |  |  |  | 34346636 |  | 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 |  | CA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223992981 |  |  |  | 34345401 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 223992981 |  |  |  | 34345415 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  |  | 09/10/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 223993158 |  |  |  | 34348676 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to use lease amount instead of lower 1007 amount for qualifying. Exception provided (Doc ID 0337) is not signed or reflect approved. 1007 amount used for DSCR calculation. |  |  |  | Reviewer Comment (2025-09-05): 1007 used for qualifying.<br>Buyer Comment (2025-09-05): Comment from [REDACTED] ([REDACTED]): The exception is not needed, please use the 1007 | 09/05/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223993205 |  |  |  | 34351932 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223993205 |  |  |  | 34351935 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $212.00 exceeds tolerance of $70.00. Insufficient or no cure was provided to the borrower. |  |  |  |  | 09/09/2025 |  |  | 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 B A | Non QM | Non QM | Yes |
| 223993205 |  |  |  | 34390046 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 09/09/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223993218 |  |  |  | 34352208 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [REDACTED], prior to three (3) business days from transaction date of [REDACTED] |  |  |  |  | Reviewer Comment (2025-09-12): PCCD provided with disbursement date of [REDACTED], which is after rescission period expired.<br>Reviewer Comment (2025-09-12): Received PCCD and LOE to borrower. RTC timing compliance cannot be confirmed with PCCD. Please provide a signed/stamped Final Settlement Statement that confirms disbursement date.<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): PCCD and LOX | 09/12/2025 |  |  | 1 C A |  | WA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223993400 |  |  |  | 34347081 |  | 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 |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995268 |  |  |  | 34356258 |  | 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 |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995268 |  |  |  | 34356266 |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty Test | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995277 |  |  |  | 34357108 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995291 |  |  |  | 34355621 |  | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%. |  |  |  |  |  |  |  |  | 2 B |  | NC | Investment | Purchase | A |  | N/A | No |
| 223995292 |  |  |  | 34355759 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995331 |  |  |  | 34359504 |  | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Grace Period Testing | Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  |  | 2 B |  | MD | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 223995341 |  |  |  | 34368775 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995343 |  |  |  | 34373748 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing a copy of the final closing statement that is fully executed |  |  |  |  | 09/12/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223995343 |  |  |  | 34373775 |  | 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 - Cash-out - Other | D B A |  | N/A | No |
| 223995361 |  |  |  | 34369536 |  | 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 - Cash-out - Other | B A |  | N/A | No |
| 223995384 |  |  |  | 34366376 |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty Test | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 223995399 |  |  |  | 34369570 |  | 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 |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223995424 |  |  |  | 34373005 |  | 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 - Cash-out - Other | B A |  | N/A | No |
| 223995464 |  |  |  | 34354699 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is an A-Frame classified as Rural. Guidelines prohibit unique properties. Client consideration and approval required. | 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 | Reviewer Comment (2025-09-11): Okay to waive and downgrade per client email [REDACTED] |  |  | 09/11/2025 | 2 C B |  | CO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223995465 |  |  |  | 34354695 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-09): Received Title Final, exception cleared.<br>Seller Comment (2025-09-08): Comment from [REDACTED] ([REDACTED]): FTP | 09/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223995495 |  |  |  | 34359870 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223995529 |  |  |  | 34362464 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/[REDACTED]) |  |  |  | Reviewer Comment (2025-09-10): [REDACTED] received disclosure summary suffice.<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [REDACTED] and consented to it on [REDACTED]. This meets the 3 business days before the closing date of [REDACTED]. | 09/10/2025 |  |  | 1 C A |  | KY | Second Home | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 223995529 |  |  |  | 34366471 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is classified as Rural. Client consideration and approval required. |  |  |  | Reviewer Comment (2025-09-10): Meets client requirements.<br>Buyer Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): 9/10 CW: Rural properties are not excluded by guidelines. Zoning is Single-Family Residential, less than 5000 sqft, and there are 5 comparables within less than a mile. | 09/10/2025 |  |  | 1 C A |  | KY | Second Home | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 223995529 |  |  |  | 34373837 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | KY | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223995529 |  |  |  | 34373838 |  | 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 Title - Endorsement Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | KY | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223995534 |  |  |  | 34356051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 09/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223995534 |  |  |  | 34356053 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223995610 |  |  |  | 34358040 |  | 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) |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358041 |  | 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 |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358042 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358043 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358044 |  | 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 5.62197% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] (an overage of [REDACTED] or .62197%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 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 B | Non QM | Non QM | Yes |
| 223995610 |  |  |  | 34358045 |  | 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. |  |  |  |  | Reviewer Comment (2025-09-10): received rate sheet with undiscounted rate and price<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): TF 9/9 See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358047 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  |  |  | Reviewer Comment (2025-09-09): Remains open, EV2.<br>Buyer Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223995610 |  |  |  | 34358048 |  | 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 5.62197% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of[REDACTED] (an overage of [REDACTED] or 2.62197%). |  |  |  |  | Reviewer Comment (2025-09-08): Client elects to waive. |  |  | 09/08/2025 | 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 |
| 223995610 |  |  |  | 34365915 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223995668 |  |  |  | 34368947 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-09-11): Credit Report reflects the payment, exception cleared.<br>Buyer Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): Please revisit. The second mortgage (HELOC) with (REDACTED) Mortgage is verified on the credit report. Thank you!<br>Reviewer Comment (2025-09-10): Second Lien statement is required for Address: [REDACTED] and provided is first lien mortgage statement, exception remains.<br>Seller Comment (2025-09-09): Comment from [REDACTED] ([REDACTED]): see attached | 09/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223995742 |  |  |  | 34365150 |  | 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 |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 223995742 |  |  |  | 34365156 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 09/09/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 223995751 |  |  |  | 34360572 |  | 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 4.56811% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED]or 1.56811%). |  |  |  |  | Reviewer Comment (2025-09-08): Client elects to waive. |  |  | 09/08/2025 | 2 B |  | SC | 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 |
| 223995751 |  |  |  | 34360575 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224000048 |  |  |  | 34394703 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement provided is missing subject property information and loan amount. Corrected Guarantor Agreement with updated notary required. |  |  |  | Reviewer Comment (2025-09-10): Received in trailing documents.<br>Seller Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): see attached | 09/10/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 224000048 |  |  |  | 34475693 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business purpose cert not signed by guarantor | Borrower's Experience/Track Record | FICO score of 730 is 20 points greater than program minimum of 700 (for C/O Refi, Investment, DSCR of X.XX, LTV of 75% and loan amount < $1 million). Thank you! | SitusAMC,Aggregator | Reviewer Comment (2025-09-29): Meets Aggregator's waiver approval for client<br>Reviewer Comment (2025-09-23): Received Business Purpose Certificate executed post-closing. Buyer/investor approval required for downgrade consideration.<br>Buyer Comment (2025-09-23): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade based on NM/LRP matrix with compensating factor: FICO score of 730 is 20 points greater than program minimum of 700 (for C/O Refi, Investment, DSCR of 1.04, LTV of 75% and loan amount < $1 million). Thank you!<br>Reviewer Comment (2025-09-19): Received Business Purpose Certificate executed post-closing. Buyer/investor approval required for downgrade consideration.<br>Seller Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): Business |  |  | 09/29/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 224000126 |  |  |  | 34371484 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-09-10): Full PITIA applied.<br>Buyer Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): Please revisit. Full PITIA counted in DTI. Rental income not considered and, therefore, the 1007 is not required. Thank you! | 09/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A | N/A | N/A | No |
| 224000126 |  |  |  | 34392509 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Note is signed by members of the entity, but not as individuals. Guarantor agreement is required. |  |  |  | Reviewer Comment (2025-09-19): Document Received, Exception cleared<br>Seller Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): Guarantor Agreement | 09/19/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A | N/A | N/A | No |
| 224000203 |  |  |  | 34367864 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | NV | Investment | Purchase | B A |  | N/A | No |
| 224000352 |  |  |  | 34373055 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-12): Received Approval, exception cleared.<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Approval | 09/12/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224000359 |  |  |  | 34377186 |  | 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 3.57470% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of [REDACTED] or .57470%). |  |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive. |  |  | 09/09/2025 | 2 B |  | AZ | 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 |
| 224000375 |  |  |  | 34373173 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.18585% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [REDACTED] (2025). FNMA Finance Charge total [REDACTED] on a Original Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED](2025) (an overage of [REDACTED] or .18585%). |  |  |  |  | Reviewer Comment (2025-09-12): Client elects to waive. |  |  | 09/12/2025 | 2 B |  | CA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 224000375 |  |  |  | 34373177 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-15): Document Received, Exception Cleared<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): title supplement | 09/15/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A | N/A | N/A | No |
| 224000381 |  |  |  | 34396508 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for layered entity. Per guidelines: Layered entities are permitted up to two (2) layers provided the borrower has the authority to <br> sign on behalf of both the parent and vested entities. |  |  |  | Reviewer Comment (2025-09-14): Certificate of trust provided.<br>Buyer Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): 9/10 CW: The layered entity is a trust, not an LLC. Certificate of trust and trust agreement were included in the file. There is no operating agreement as this isn't an LLC. | 09/14/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224000622 |  |  |  | 34376192 |  | 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 |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 224003371 |  |  |  | 34375159 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 224003431 |  |  |  | 34390469 |  | 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 [REDACTED] 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. |  |  |  |  | Reviewer Comment (2025-09-11): [REDACTED] received disclosure summary suffice<br>Seller Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): Fulfillment tracking - mailed 7-24 | 09/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224012376 |  |  |  | 34374379 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2025-09-12): Covered by master policy.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Master Policy | 09/12/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012376 |  |  |  | 34374384 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-09-12): Covered by master policy.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Master Policy | 09/12/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012376 |  |  |  | 34374403 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-09-10): Non-warrantable condotel. | 09/10/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012376 |  |  |  | 34401477 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-09-12): Received in trailing documents.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): HOA Questionnaire | 09/12/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012386 |  |  |  | 34376030 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224012495 |  |  |  | 34394075 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Number of REO exceeds Max 6 (Purchasing 7th). Approved Lender exception in file. Seller consideration required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least [REDACTED]<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 [REDACTED]<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-18): Waived and downgraded per client email/ sheet based on available compensating factors. |  |  | 09/18/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224012495 |  |  |  | 34394563 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-15): Received Title Final, exception cleared. | 09/15/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224012495 |  |  |  | 34394565 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-15): Received Title Final, exception cleared.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): title policy | 09/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224012505 |  |  |  | 34391594 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall [REDACTED]. Coverage does not cover loan amount, RCE not provided. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-17): LRP credit exception approval based on 2 or more compensating factors meeting client criteria.<br>Buyer Comment (2025-09-17): Comment from [REDACTED] ([REDACTED]): Please waive/downgrade with 2 comp factors per LRP exception matrix: (1) FICO score of [REDACTED] is 20 points greater than program minimum of 700 for LA < $1 million and LTV of 80%; (2) DSCR of [REDACTED] is .20 or more above minimum of 1.1. Note that the hazard insurance coverage of [REDACTED] is within 5% of requirement to meet loan amount of $[REDACTED] as well as 80% of AV of $[REDACTED]. Thank you!<br>Reviewer Comment (2025-09-11): Per policy: "100% Replacement Cost, Subject to Building & Personal Property Limits." property limit amount does not cover loan amount.<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): 100% replacement cost |  |  | 09/17/2025 | 2 C B |  | KY | Investment | Purchase | C B A |  | N/A | No |
| 224012508 |  |  |  | 34377782 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-09-12): Received Vacation Rental Income Statement, exception cleared.<br>Buyer Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): AirDNA used for STR. Please see Doc ID 0183. Thank you! | 09/12/2025 |  |  | 1 C A |  | TN | Investment | Purchase | D A | N/A | N/A | No |
| 224012508 |  |  |  | 34394171 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | There is no guarantee agreement in the loan file for the co-borrower. |  |  |  | Reviewer Comment (2025-09-11): Document Received, Exception Cleared<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Guaranty | 09/11/2025 |  |  | 1 D A |  | TN | Investment | Purchase | D A | N/A | N/A | No |
| 224012518 |  |  |  | 34393215 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-09-12): Received Vacation Rental Income Statement, exception cleared.<br>Buyer Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): AirDNA report used for STR. Please see Doc IDs 0520 and 0238. Thank you! | 09/12/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C A | N/A | N/A | No |
| 224012520 |  |  |  | 34402862 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate provided is not executed. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224012520 |  |  |  | 34402863 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate provided is not executed. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224012533 |  |  |  | 34377382 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-09-10): Non-warrantable condotel. | 09/10/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012533 |  |  |  | 34400550 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | HO-6 policy not provided |  |  |  | Reviewer Comment (2025-09-12): Included in Blanket policy.<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): MASTER HOA INCLUDES ALL IN WALLS IN COVERAGE | 09/12/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224012533 |  |  |  | 34401468 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  |  | Reviewer Comment (2025-09-12): Received in trailing documents.<br>Seller Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): condo warranty , approval and questionnaire | 09/12/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224013009 |  |  |  | 34390636 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 224013312 |  |  |  | 34377406 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-09-12): Received in trailing documents.<br>Seller Comment (2025-09-10): Comment from [REDACTED] ([REDACTED]): Rent Loss Coverage | 09/12/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 224013312 |  |  |  | 34377423 |  | 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 ___. |  | 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 [REDACTED]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 09/10/2025 | 2 B |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 224013312 |  |  |  | 34401856 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | Per guidelines, Rural properties are ineligible. Seller credit exception approval provided. Missing buyer/investor exception approval. | 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 [REDACTED]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-18): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-09-18): Moved to buyer for review - Property is rural, no zoning required, water source is community well, garage has been converted into indoor/outdoor recreation space that is insulated and heated and cooled.<br>Seller Comment (2025-09-17): Comment from [REDACTED] ([REDACTED]): Spectrum Elite guidelines allow rural properties up to 20 acres. Property meets approved guidelines, see attached. Please revisit |  |  | 09/18/2025 | 2 C B |  | MO | Investment | Purchase | C B A |  | N/A | No |
| 224013330 |  |  |  | 34403117 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo with 78% investor concentration. Approved lender exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2025-09-10): LRP Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 09/10/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 224013357 |  |  |  | 34390619 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-09-10): Non-warrantable, Condotel | 09/10/2025 |  |  | 1 C A |  | UT | Investment | Purchase | C A |  | N/A | No |
| 224013366 |  |  |  | 34391704 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-11): Remains open, EV2.<br>Buyer Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224013366 |  |  |  | 34391732 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or [REDACTED]. |  | Approval disclosed transaction as Rate/Term, however, PLM lien being paid off was not a purchase money lien, nor was it seasoned for 12 months. Considered part of cash out proceeds. |  |  |  | Reviewer Comment (2025-09-15): received closing statement for original purchase<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): See title (snip attached) [REDACTED] for Secured Income Fund-II, purchase money lender- see closing statement from purchase (snip attached) DOC ID 0553 | 09/15/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224013366 |  |  |  | 34400738 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA/ATIMA language is missing from the declaration page. |  |  |  | Reviewer Comment (2025-09-16): Received in trailing documents.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Please see page 2 | 09/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 224013382 |  |  |  | 34376176 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 09/11/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224013382 |  |  |  | 34376183 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | Initial 1003 is not signed by borrower |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224013395 |  |  |  | 34391873 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-09-11): Remains open, EV2.<br>Buyer Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  | 10/24/2025 | 2 A B |  | CA | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| 224013395 |  |  |  | 34391875 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-09-11): Remains open, EV2.<br>Buyer Comment (2025-09-11): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  | 10/24/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| 224013397 |  |  |  | 34402803 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Certificate is not executed. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224013397 |  |  |  | 34402804 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is not executed. |  |  |  |  | 09/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224013403 |  |  |  | 34393733 |  | 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 [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224013403 |  |  |  | 34393734 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  |  | 09/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224013416 |  |  |  | 34397420 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 224013416 |  |  |  | 34397464 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 09/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | N/A | N/A | No |
| 224020841 |  |  |  | 34393075 |  | 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. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-15): [REDACTED] received 08/12 CD received 3 business days prior to consummation.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Initial CD | 09/15/2025 |  |  | 1 C A |  | DE | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224020881 |  |  |  | 34396633 |  | 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 4.47314% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total [REDACTED] on a Federal Total Loan Amount of [REDACTED] vs. an investor allowable total of [REDACTED] (an overage of $[REDACTED] or 1.47314%). |  |  |  |  | Reviewer Comment (2025-09-11): Client elects to waive. |  |  | 09/11/2025 | 2 B |  | NY | 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 |
| 224020882 |  |  |  | 34398573 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-15): Document Received, Exception Cleared<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Title and Supplement | 09/15/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 224020882 |  |  |  | 34403718 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor consideration required: comparable sales have gross adjustments exceeding 25% for comparables 4 & 6 which are at 55% to 58%, respectively; the appraiser detailed adjustments rationale appears to be satisfactory. | 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. | Reserves > 6 months above program minimum<br>FICO > 20 points above program minimum | SitusAMC<br>SitusAMC,Originator Pre-Close,Aggregator | Reviewer Comment (2025-09-10): Exception approval provided, meets buyers waiver policy. |  |  | 09/10/2025 | 2 B |  | HI | Investment | Purchase | C B A | N/A | N/A | No |
| 224021000 |  |  |  | 34404485 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2025-09-15): [REDACTED] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): COC for POA recording fee | 09/15/2025 |  |  | 1 C A |  | WA | Second Home | 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) | Safe Harbor QM (APOR) | Yes |
| 224021002 |  |  |  | 34391420 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-09-16): Received Closing Disclosure of property receiving Secured Funds, exception cleared.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): The cash to close on this one is [REDACTED] and 6 mos. reserves [REDACTED] totaling [REDACTED] required assets.<br> We have proceeds from secured loan with GRI for [REDACTED] and additional [REDACTED] from Founders CU. | 09/16/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 224021002 |  |  |  | 34391546 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-16): Received Closing Disclosure of property receiving Secured Funds, exception cleared.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): The cash to close on this one is [REDACTED] and 6 mos. reserves [REDACTED] totaling [REDACTED] required assets.<br> We have proceeds from secured loan with GRI for [REDACTED] and additional [REDACTED] from Founders CU. | 09/16/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 224021054 |  |  |  | 34394528 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED]. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2025-09-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): Lender Credit ($[REDACTED]) was provided at closing for the increase in recording fees | 09/15/2025 |  |  | 1 C A |  | NC | 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) | Safe Harbor QM (APOR) | Yes |
| 224021054 |  |  |  | 34394529 |  | 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 Survey Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Insufficient or no cure was provided to the borrower. (7723) |  |  |  | Reviewer Comment (2025-09-15): [REDACTED] Received LOE stating Survey required by Title Company.<br>Seller Comment (2025-09-12): Comment from [REDACTED] ([REDACTED]): LOE | 09/15/2025 |  |  | 1 C A |  | NC | 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) | Safe Harbor QM (APOR) | Yes |
| 224021054 |  |  |  | 34446247 |  | 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 [REDACTED] exceeds tolerance of [REDACTED] plus 10% or [REDACTED] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224021079 |  |  |  | 34404064 |  | 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 [REDACTED] exceeds tolerance of[REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 09/10/2025 |  | 1 A |  | DE | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224021079 |  |  |  | 34404065 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  | 09/12/2025 |  |  | 1 B A C |  | DE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224021079 |  |  |  | 34429626 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | DE | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224021101 |  |  |  | 34396665 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  | 09/24/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224021151 |  |  |  | 34403599 |  | 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 Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  | 09/12/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224021151 |  |  |  | 34429634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224021219 |  |  |  | 34402605 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-09-16): Document Received, Exception Cleared<br>Seller Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): Please see attached | 09/16/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A | N/A | N/A | No |
| 224021219 |  |  |  | 34402760 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 7.32873% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [REDACTED] (2025). FNMA Finance Charge total [REDACTED] on a Original Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED] (2025) (an overage of [REDACTED] or 2.32873%). |  |  |  |  | Reviewer Comment (2025-09-15): Client elects to waive.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  | 09/15/2025 | 2 B |  | SC | 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 |
| 224027658 |  |  |  | 34412480 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-15): Not cleared. Remains Open, EV2.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 224027658 |  |  |  | 34412532 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | The business tax returns provided are not the most recent, there is a tax extension document in the file |  |  |  | Reviewer Comment (2025-09-15): Not cleared. Remains Open, EV2.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 224027658 |  |  |  | 34412533 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [REDACTED], Most Recent Tax Return End Date [REDACTED], Tax Return Due Date [REDACTED]. | The business tax returns provided are not the most recent, there is a tax extension document in the file |  |  |  | Reviewer Comment (2025-09-15): Not cleared. Remains Open, EV2.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 224027658 |  |  |  | 34412534 |  | 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. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) |  |  |  | Reviewer Comment (2025-09-16): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): Please retest to Non-QM | 09/16/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 224027658 |  |  |  | 34412541 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Deferment of Principal | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | Terms of the subject loan provide for deferment of principal as an Interest Only loan. |  |  |  | Reviewer Comment (2025-09-16): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): Please retest to Non QM | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 224027658 |  |  |  | 34428871 |  | 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 [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 224027658 |  |  |  | 34477091 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 224027712 |  |  |  | 34397845 |  | 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 |  | IL | Investment | Purchase | B A |  | N/A | No |
| 224027716 |  |  |  | 34412798 |  | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of [REDACTED] exceeds tolerance of [REDACTED]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of [REDACTED]exceeds tolerance of [REDACTED] Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-09-11): Sufficient Cure Provided At Closing |  | 09/11/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224027911 |  |  |  | 34412294 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-09-16): Full PITIA applied.<br>Buyer Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): 9/16 tm: Rental income was not used to qualify. A 1007 is not needed. | 09/16/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C B A | N/A | N/A | No |
| 224027911 |  |  |  | 34412310 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.32184% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and [REDACTED] (2025). FNMA Finance Charge total [REDACTED] on a Original Loan Amount of [REDACTED] vs. an allowable total of [REDACTED] and [REDACTED] (2025) (an overage of [REDACTED] or 1.32184%). |  |  |  |  | Reviewer Comment (2025-09-15): Client elects to waive.<br>Buyer Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Cleared - b |  |  | 09/15/2025 | 2 B |  | MI | 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 |
| 224027928 |  |  |  | 34402354 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument provided is not for the subject property. |  |  |  | Reviewer Comment (2025-09-16): Received Security Instrument - Subject Lien, exception cleared.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): 9/15 TT: please see attached | 09/16/2025 |  |  | 1 D A |  | IL | Investment | Purchase | D A |  | N/A | No |
| 224027928 |  |  |  | 34472082 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  |  |  | Reviewer Comment (2025-09-23): Document Received, Exception cleared<br>Seller Comment (2025-09-23): Comment from [REDACTED] ([REDACTED]): 9/16 TT: please see attached<br>Reviewer Comment (2025-09-16): Received 1- 4 Family Rider is of [REDACTED], However we required for [REDACTED].<br>Seller Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): 9/15 TT: please see attached | 09/23/2025 |  |  | 1 A |  | IL | Investment | Purchase | D A |  | N/A | No |
| 224027950 |  |  |  | 34430411 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2025-09-16): Received Mortgage Statement, exception cleared.<br>Seller Comment (2025-09-15): Comment from [REDACTED] ([REDACTED]): Property Docs | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 224039124 |  |  |  | 34450350 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  |  | 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 [REDACTED]<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-15): LRP Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 09/15/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| 224039207 |  |  |  | 34444186 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-09-16): Document Received, Exception Cleared<br>Seller Comment (2025-09-16): Comment from [REDACTED] ([REDACTED]): CPL | 09/16/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224039850 |  |  |  | 34415690 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The document in file is not executed or stamped by the closing agent as the final true and certified version. |  |  |  | Reviewer Comment (2025-09-16): Included in trailing documents<br>Seller Comment (2025-09-15): Uploaded HUD<br>Reviewer Comment (2025-09-12): The document in file is not executed or stamped by the closing agent as the final true and certified version. | 09/16/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 224039859 |  |  |  | 34422987 |  | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Grace Period Testing | Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  |  | 2 B |  | MD | Investment | Refinance - Rate/Term | A |  | N/A | No |
| 224039865 |  |  |  | 34429308 |  | 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 | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 224039865 |  |  |  | 34444380 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing a copy of the fully executed final HUD, to include the cash due at settlement. |  |  |  |  | 09/18/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 224039871 |  |  |  | 34417523 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224039873 |  |  |  | 34420942 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final HUD-1 missing in file. |  |  |  |  | 09/18/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 224039873 |  |  |  | 34420970 |  | 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 |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 224039874 |  |  |  | 34443957 |  | 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 |  | VA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224039888 |  |  |  | 34416117 |  | 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 |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224039888 |  |  |  | 34475350 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  |  | 09/17/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224039899 |  |  |  | 34444051 |  | 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 |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224039899 |  |  |  | 34477284 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement in file is not executed. |  |  |  |  | 09/19/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224039900 |  |  |  | 34444046 |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty Test | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 224048014 |  |  |  | 34459195 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing a copy of the credit report for borrower XXXX. |  |  |  |  | 09/18/2025 |  |  | 1 D A |  | SC | Investment | Purchase | D A |  | N/A | No |
| 224048185 |  |  |  | 34446778 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-18): Updated Short Term Calculation details, exception cleared.<br>Buyer Comment (2025-09-17): Comment from [REDACTED] ([REDACTED]): 9/17 CW: Short term rental calculation was used, DSCR should be 1.04 | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224058207 |  |  |  | 34451692 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor consideration required: comparable sales have gross adjustments exceeding 25% for comparables 1-4 ranging from 27% to 44%; the appraiser detailed adjustments rationale appears to be satisfactory. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-25): Okay to waive/downgrade per client email [REDACTED] |  |  | 09/25/2025 | 2 C B |  | CO | Investment | Purchase | C B A |  | N/A | No |
| 224058207 |  |  |  | 34485764 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is an STR on 1.7 acres in mountain community. Appraisal "Neighborhood Characteristics" appear to improperly classify the subject as Urban. Supporting commentary not provided. | 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 [REDACTED]<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-25): Okay to waive/downgrade per client email [REDACTED]<br>Reviewer Comment (2025-09-19): Moved to buyer queue for approval and downgrade consideration.<br>Buyer Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): 9/19 CW: While we agree the 'Urban' classification is not supported, we disagree that a correction should be necessary. All comparable are in a extremely similar neighborhood and no adjustments were made for location on any comparable so updating this would have no impact on value. |  |  | 09/25/2025 | 2 C B |  | CO | Investment | Purchase | C B A |  | N/A | No |
| 224058259 |  |  |  | 34463312 |  | 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 ___. |  | 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 [REDACTED]<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-16): Credit exception approval based on 2 or more compensating factors meeting client criteria. |  |  | 09/16/2025 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 224058259 |  |  |  | 34475647 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance is required on this properties |  |  |  | Reviewer Comment (2025-09-23): Received in trailing documents.<br>Seller Comment (2025-09-22): Comment from [REDACTED] ([REDACTED]): HOI policy attached indicates coverage D includes rent loss coverage, see page 23-24 of 64 pages and please clear condition<br>Reviewer Comment (2025-09-17): Received seller attestation. Documentation from agent or listing on policy required.<br>Seller Comment (2025-09-17): Comment from [REDACTED] ([REDACTED]): . | 09/23/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 224058299 |  |  |  | 34463346 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-09-19): Document Received, Exception cleared<br>Seller Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): 9/19 MM: Please see attached document<br>Reviewer Comment (2025-09-18): latest report dated [REDACTED]. Updated COG required.<br>Seller Comment (2025-09-17): Comment from [REDACTED] ([REDACTED]): 9/17 MM: Please see attached document. | 09/19/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224058319 |  |  |  | 34478285 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-18): Received in trailing documents.<br>Seller Comment (2025-09-18): Comment from [REDACTED] ([REDACTED]): Business Purpose | 09/18/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224058319 |  |  |  | 34482225 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-09-22): Received HOI policy with rent loss coverage in trailing docs.<br>Seller Comment (2025-09-18): Comment from [REDACTED] ([REDACTED]): Rent loss Ins | 09/22/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224058319 |  |  |  | 34486688 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Refinance of tenant occupied property. Missing copy of leases noted on 1007. DSCR subject to change pending receipt. |  |  |  | Reviewer Comment (2025-09-18): Document Received, Exception Cleared<br>Seller Comment (2025-09-18): Comment from [REDACTED] ([REDACTED]): Lease | 09/18/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224058359 |  |  |  | 34487452 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Missing Prepayment Addendum to the Promissory Note signed at closing. |  |  |  | Reviewer Comment (2025-09-21): Received Prepayment Penalty addendum, Exception cleared.<br>Seller Comment (2025-09-19): Comment from [REDACTED] ([REDACTED]): CT 9/19: Please see the attached // | 09/21/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| 224065185 |  |  |  | 34477982 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224065311 |  |  |  | 34478402 |  | 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 | Investment | Purchase | B A |  | N/A | No |
| 224083988 |  |  |  | 34499263 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-23): Confirmed guideline requirement of .75 DSCR.<br>Seller Comment (2025-09-22): Comment from [REDACTED] ([REDACTED]): Edge expanded is a .75 DSCR requirement, not 1. Subject is .86 | 09/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 224092487 |  |  |  | 34494756 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A D |  | MI | Investment | Refinance - Cash-out - Other | D B |  | N/A | No |
| 224092487 |  |  |  | 34496215 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | XXXX County Water Contamination: Property is located in XXXX County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  |  |  |  | 10/24/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | D B |  | N/A | No |
| 224130644 |  |  |  | 34532396 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | Missing OFAC for the sub-entity [REDACTED] as required by guidelines. |  |  |  | Reviewer Comment (2025-09-24): Included in trailing docs<br>Seller Comment (2025-09-24): OFAC Uploaded | 09/24/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130645 |  |  |  | 34544893 |  | 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 |  | CT | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130648 |  |  |  | 34532050 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130649 |  |  |  | 34533988 |  | 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 |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130652 |  |  |  | 34531861 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The operating agreement in file for the borrowing entity reflects an ownership breakdown that does not align with the Borrowing Authorization in file. Please provide an operating agreement amendment executed by all members to confirm the ownership breakdown on the BA. |  |  |  | Reviewer Comment (2025-09-29): Updated agreement in trailing docs.<br>Seller Comment (2025-09-29): uploaded agreement signed | 09/29/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130652 |  |  |  | 34533730 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The photos in the appraisal are not legible. It appears that the initial document load was not entirely successful. Please upload the appraisal again. |  |  |  | Reviewer Comment (2025-09-25): Included in TD.<br>Seller Comment (2025-09-24): uploaded app. | 09/25/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130654 |  |  |  | 34531945 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The photos in the appraisal and form 442 final inspection are not legible. Please provide the appraisal and form 442 again. |  |  |  | Reviewer Comment (2025-09-25): Included in trailing docs<br>Seller Comment (2025-09-24): uploaded appraisal and form 442 | 09/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224130654 |  |  |  | 34544741 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  |  |  |  |  | Reviewer Comment (2025-09-25): Included in trailing docs | 09/25/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224130654 |  |  |  | 34544742 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  |  |  |  |  | Reviewer Comment (2025-09-25): Included in trailing docs | 09/25/2025 |  |  | 1 A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 224130666 |  |  |  | 34533216 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-09-24): Moved to [REDACTED] for waiver consideration of EV2. |  |  | 10/24/2025 | 2 A D |  | WI | Investment | Purchase | D A |  | N/A | No |
| 224130682 |  |  |  | 34532210 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130693 |  |  |  | 34533971 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The photos in the appraisal are not legible. It appears that the initial document load was not entirely successful. Please upload the appraisal again. |  |  |  | Reviewer Comment (2025-09-25): Included in trailing docs<br>Seller Comment (2025-09-24): uploaded appraisal | 09/25/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130694 |  |  |  | 34533631 |  | 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 |  | AL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130699 |  |  |  | 34532667 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  |  |  |  |  | Reviewer Comment (2025-09-29): Document Received, Exception cleared<br>Seller Comment (2025-09-29): uploaded appraisal<br>Reviewer Comment (2025-09-24): The photos in the appraisal are not legible. It appears that the initial document load was not entirely successful. Please upload the appraisal again. | 09/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130699 |  |  |  | 34532715 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  |  |  |  |  | Reviewer Comment (2025-09-29): Document Received, Exception cleared<br>Seller Comment (2025-09-29): uploaded appraisal<br>Reviewer Comment (2025-09-24): The photos in the appraisal are not legible. It appears that the initial document load was not entirely successful. Please upload the appraisal again. | 09/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130700 |  |  |  | 34544747 |  | 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 | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224130700 |  |  |  | 34573769 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The only comparable sales (comps 3 and 4) that support value are over a year old (sold May of 2024 and November 2023). Moved to Nomura for waiver and downgrade consideration. | 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. | High DSCR<br>High FICO | Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 10/07/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224130721 |  |  |  | 34538237 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130740 |  |  |  | 34611066 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the operating agreement amendment to confirm the Guarantor owns 62.99% per the Borrowing Authorization in file. |  |  |  | Reviewer Comment (2025-10-03): Included in TD.<br>Seller Comment (2025-10-02): uploaded OA ; ownership percentages shown under 3 equity and ownership | 10/03/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224130743 |  |  |  | 34579738 |  | 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 |  | MO | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224130749 |  |  |  | 34547119 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-09-26): Moved to [REDACTED] for waiver consideration of EV2. |  |  | 10/24/2025 | 2 A B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224130751 |  |  |  | 34580237 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor consideration required: all 5 comparable sales have gross adjustments exceeding 25% ranging from 30.5% to 57.9%. Comparable sales with excessive adjustments could be viewed as less reliable value indicators. In addition, the CDA in file only supported a value of [REDACTED]. Moved to [REDACTED] for review. | The representative FICO score exceeds the guideline minimum by at least 40 points. | High FICO | Aggregator,SitusAMC | Reviewer Comment (2025-10-07): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-10-07): AMC - Please waive down<br>Reviewer Comment (2025-09-26): Moved to [REDACTED] for waiver and downgrade consideration. |  |  | 10/07/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224130759 |  |  |  | 34569076 |  | 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 ___. | [REDACTED] overlay requires a 5% reduction to the LTV max when a declining market is indicated on the appraisal. | 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. | High FICO<br>High DSCR | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-10-08): Waived and downgraded per [REDACTED] email / sheet.<br>Buyer Comment (2025-10-08): AMC - Please waive down<br>Reviewer Comment (2025-09-25): Moved to [REDACTED] for consideration to override [REDACTED] overlay. |  |  | 10/08/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 224130778 |  |  |  | 34585125 |  | 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 | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224160925 |  |  |  | 34596377 |  | 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 |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224160957 |  |  |  | 34597817 |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty Test | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 224160958 |  |  |  | 34643002 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The top of the first page of the appraisal includes a question for the appraiser to answer as to whether the subject property is currently offer for sale or if it has been offered for sale in the past 12 months. This question is not answered. Please provide an updated appraisal with this question answered. |  |  |  | Reviewer Comment (2025-10-16): Updated appraisal included in trailing documents<br>Seller Comment (2025-10-16): Updated appraisal uploaded | 10/16/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 224160959 |  |  |  | 34643945 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| 224161012 |  |  |  | 34602107 |  | 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. |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close |  |  | 10/24/2025 | 2 B |  | NE | Investment | Refinance - Rate/Term | B |  | N/A | No |
| 224161012 |  |  |  | 34602137 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-24): Waive to close<br>Reviewer Comment (2025-10-07): Moved to [REDACTED] for waiver consideration of EV2. |  |  | 10/24/2025 | 2 A B |  | NE | Investment | Refinance - Rate/Term | B |  | N/A | No |
| 224210120 |  |  |  | 34684780 |  | 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 |  | MO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |

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## Exhibit 99.4

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.4**

![](situslogo.jpg)

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** | **Run Date - 11/7/2025 9:09:52 AM** |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 220706689 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 221038698 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 221268425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221292333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 221339422 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 221419395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 221424202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 221648196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221765688 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.880% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221805487 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 221810648 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.50 |
| 221821894 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 221845361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 221845384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.90 |
| 221845532 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 221928105 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 6.780% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 222032932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222046975 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222055559 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222057360 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 222063644 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222081408 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 222111822 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 222122553 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 222122995 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222144504 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222144843 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 222163525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 999.00 |
| 222183461 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222193029 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 222193064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 222201186 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222203815 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.300% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222208556 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 222208566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222217619 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222230418 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 222246435 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222254083 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222270447 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 222300358 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 222300359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.80 |
| 222300361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222302836 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222313494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 222328714 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222356862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222363081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222414021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 222414152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222423754 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 222454752 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.60 |
| 222456644 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 222456700 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222457012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222461652 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 |
| 222467099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| 222467107 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 222467147 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222500892 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222524076 |  |  |  |  |  |  |  |  |  | 9.290% |  |  |  | Appraisal |  |  |  |  |  |  | -4.370% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 222533223 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 222533294 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.730% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 222550315 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.760% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| 222550483 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 |
| 222607142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 222621796 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 222627400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 222631819 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222653217 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222653920 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 222662423 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 222662475 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222662476 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 222670659 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 |
| 222672122 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 13.790% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222680331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 222680450 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 222680458 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 222695401 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 222695486 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 222696329 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222703959 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 222703963 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 222724925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222726464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 222726522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222733979 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 222734013 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 222735184 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 222748978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 222752540 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 |
| 222760299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222764647 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222770073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 222792251 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 |
| 222803422 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222806203 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 222834091 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.40 |
| 222886805 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 222888528 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222888547 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222892417 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222894439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 222894659 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 |
| 222894671 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 222894673 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 222901462 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222901778 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.280% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222906934 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222912996 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| 222913498 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 222922306 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 222927192 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 222930094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 222930105 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 222930145 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -2.760% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222930199 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 222952943 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 222958513 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222959657 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 222961605 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222961611 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222961612 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222962181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222962239 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 222979643 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222981690 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223002553 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| 223007839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 223007893 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 10.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223007896 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223007908 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223013235 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 223016557 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 223018839 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223040016 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223041331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223050120 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223050122 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223056592 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223115488 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223127247 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223128021 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223134865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223168622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -2.200% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.20% |  |  |  |  |
| 223171874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223171942 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223171960 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223171965 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223171970 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223180136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223180155 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 6.800% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223180222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223187138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223189728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223189740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223189876 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 223195094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223195132 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223198488 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 223224340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223224345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| 223235646 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223235835 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223235840 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223238490 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 223260406 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 223260418 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223260557 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.140% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 223260568 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223271542 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -0.210% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.21% |  |  |  |  |
| 223271543 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223271561 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223294482 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 223294550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223297570 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 223303244 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223303262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223303469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| 223303539 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223303670 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223306327 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223306377 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223309465 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223310763 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 223314667 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223314680 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 223314705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 223314725 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223333740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.880% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223338468 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223339374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.840% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223339381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223362126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.30 |
| 223362162 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223364456 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223364526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223367551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 223367566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223367573 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223377070 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 223378781 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223384430 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223387309 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223388196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223390346 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| 223422064 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -4.690% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223422078 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223422085 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223427507 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223427521 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |
| 223427543 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223431787 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 223431793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223431802 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223431866 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223431884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 223441636 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 223449216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223457341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223457344 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 223457360 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223457362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 223458999 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223459000 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223459272 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223464730 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223464743 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 223464763 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223464764 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223468992 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223469323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 223469380 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223478570 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 223482827 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 223490686 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223497650 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 223497687 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223507039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223507044 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223507410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223512389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223512451 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223517136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223536585 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223536599 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223536604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223536610 |  |  |  |  |  |  |  |  |  | 15.520% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536612 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536613 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536620 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223538287 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223538289 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223541808 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223543793 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.810% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223553737 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223553741 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223554028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223555000 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| 223555033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.30 |
| 223555481 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223560892 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223562227 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |
| 223562257 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562264 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562305 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562307 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562320 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223591726 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 223591729 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 223591744 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223591753 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.50 |
| 223591767 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223592094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223593720 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -9.290% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223593733 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 223596356 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223623413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223623522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 223623593 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223623596 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223626186 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223626205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223626285 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223626341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 223626355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 223626366 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 223638369 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223638382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223638412 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 223638427 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223638432 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223638456 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 223638469 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.70 |
| 223638473 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223638519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223652028 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223652145 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223652728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 223687594 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 223687849 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223687928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 223687930 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223694978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223708792 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223708830 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 223708832 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 223708850 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.830% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.90 |
| 223708851 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223708853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223708858 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 |
| 223709103 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223709104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 223709167 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223712497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| 223712526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| 223712527 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 223712580 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223717116 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223717124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.350% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223717143 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.000% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223717173 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.930% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223717205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223717210 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223717240 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 4.230% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223717508 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223717512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.220% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -30.110% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.90 |
| 223717674 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223725607 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223730694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730696 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730697 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730698 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730700 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730702 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730708 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730709 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730713 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730720 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730721 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -2.410% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.41% |  |  |  |  |
| 223730733 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730735 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730738 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730739 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223742779 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 223744475 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223745350 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223745361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223745380 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223745392 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223751328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223751330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 223751345 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223757262 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 223757267 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223759109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223761575 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 4.620% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223761604 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223761615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 10.910% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223761674 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223761677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -2.260% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223767464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223767475 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223767496 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.860% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223767514 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223767536 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 223768107 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223770335 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| 223770410 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223779136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223779152 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223779159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.130% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223779162 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223782516 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 223782519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223782525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223782526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223789722 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223789728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| 223789845 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223789853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223792468 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 223792470 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223792522 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| 223795390 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223797266 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223797393 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 223797400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 223797407 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223806116 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223806134 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223812726 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223812815 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.660% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 5.660% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223812822 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223814218 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223814220 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223814222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223814237 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223814269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223814280 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223814287 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223814297 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223814324 |  |  |  |  |  |  |  |  |  | 12.090% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.590% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223815933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223815940 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223815959 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223816114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223851637 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 223859978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223860010 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 223860025 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223860039 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223861138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223861180 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223866385 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223878156 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223878216 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 223878245 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 223878291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223878306 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223878311 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223878323 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223881497 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.960% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223881501 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223881512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223888081 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223888100 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.980% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223888114 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223888136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223888137 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.900% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223888196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223888207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223888229 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223888526 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 223888535 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223888543 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888564 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 223888651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 223888668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.150% |  |  | AVM |  | 0.07 |  |  |  | -1.980% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223891823 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223891917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223891922 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 223891930 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223891933 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 223892003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 223892031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223892037 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223892041 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223892049 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223900367 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223900376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223900379 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223900402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 223900823 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223900871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 223900880 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223900949 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 223900984 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 223900998 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 223901003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223901252 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223901261 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223901268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223903991 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223904109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223904111 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223904112 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 223904147 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223904150 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| 223904158 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223904159 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 223904333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223904635 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 223904652 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 223913684 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 223913695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223913717 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| 223915415 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223915494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.100% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 223915759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223915774 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| 223915786 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 223915868 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223915957 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223915965 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 223922744 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223922748 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.80 |
| 223922786 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223922799 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223922812 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223922894 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223924862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 223924877 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 13.560% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223924917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223924927 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.560% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223924937 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -4.620% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223924941 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.230% |  |  | Desk Review |  |  |  |  |  | 9.230% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223924945 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223925676 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 223925677 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223925682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223925687 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223934669 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934672 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934674 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934681 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223934685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -0.190% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.19% |  |  |  |  |
| 223934686 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.800% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934916 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 223934950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223934998 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223935026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 223935030 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223935284 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223937033 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223941551 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223941657 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223942423 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223942439 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223942471 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 223945550 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223945562 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223945762 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.000% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223945765 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 223945772 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 223945775 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.750% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223945818 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223946361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223946392 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 223946413 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223946421 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 223946424 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223950213 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.10 |
| 223950842 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223950848 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223950864 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 223950876 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| 223950887 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| 223950932 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223953181 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 223953182 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 223953183 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223953186 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223953191 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 223953194 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 223953197 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223953424 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223953426 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223953492 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223953505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 223953512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 223956026 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 223956027 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223956031 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223956032 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223956038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.140% |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223956071 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223956076 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223963038 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223963265 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 223963266 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223963270 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.790% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 223963271 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223963425 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 223963499 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| 223963500 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223963525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223963570 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 223963571 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 223963590 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223963593 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223963635 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 223963640 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223963655 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.00 |
| 223963665 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223972362 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223972530 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223972820 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223972842 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 223972849 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223972851 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223972862 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223972867 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223977340 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223977866 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.680% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223978355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223978361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 223978685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223978686 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 223978690 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 223978692 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 223978794 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223978856 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.210% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223978863 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223979104 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223979109 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223979136 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 223979142 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223979148 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223979163 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.50 |
| 223979716 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 223979724 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.660% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223979725 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223979740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.80 |
| 223979743 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223979747 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223979989 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223980088 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 223980093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223980096 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223980097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223982690 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223982694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223982695 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 223982709 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223982718 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 223982723 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 223982738 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223982739 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223982740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223982745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223982750 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223982755 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 223982762 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 223982847 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223982853 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 223982867 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 223982868 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223982889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.670% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 223982910 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 223982927 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 223992976 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 223992978 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223992979 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 223992981 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223993089 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223993138 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 223993148 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223993158 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223993205 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 223993206 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| 223993218 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.30 |
| 223993400 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.600% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223993412 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 223993508 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 223995258 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.820% |  |  | Desk Review |  |  |  |  |  | -4.790% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995263 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 223995268 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223995277 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.450% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| 223995281 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.700% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995283 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.000% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995291 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995292 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 223995302 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223995307 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.120% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995310 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995324 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -3.190% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995328 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 4.660% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995331 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 6.520% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995332 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995333 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.570% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995339 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 223995341 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995343 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -6.200% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995354 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 223995355 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 2.690% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 223995371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995387 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.180% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995399 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.850% |  |  | Desk Review |  |  |  |  |  | 8.850% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995420 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -4.080% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995422 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 223995424 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.220% |  |  | Desk Review |  |  | Low |  |  | 9.220% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223995464 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 223995465 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223995495 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 223995519 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995529 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 223995534 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 223995610 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 223995613 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 223995614 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 223995626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223995668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 223995735 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223995742 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 223995751 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 223995775 |  |  |  |  |  |  |  |  |  | 2.940% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 223995802 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 223995804 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224000048 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 224000126 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224000196 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224000202 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 224000203 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.150% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224000269 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.200% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224000352 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224000359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224000375 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224000381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 224000384 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 224000389 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224000615 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.710% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 224000620 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224000622 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 224003336 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 224003348 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 224003371 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224003388 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 224003423 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 224003431 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224012374 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224012375 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224012376 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 224012381 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224012386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 224012485 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 224012494 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 224012495 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 224012505 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 224012508 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 224012512 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224012518 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 224012520 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224012533 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 224012538 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224013009 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224013310 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 224013312 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224013322 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224013330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224013357 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 224013361 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| 224013366 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224013368 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224013382 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 224013395 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -18.520% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 224013397 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224013402 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224013403 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 224013416 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224020841 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 224020881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 224020882 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| 224020905 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224020909 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224020918 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224020936 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224021000 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.60 |
| 224021002 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 224021053 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021054 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021055 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 224021073 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021074 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021079 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224021086 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021092 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224021093 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 224021094 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 224021101 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224021151 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 224021185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 224021219 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 |
| 224021225 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 224027626 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 224027628 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 224027651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224027658 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 224027705 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224027712 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 224027716 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 224027722 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224027758 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224027782 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224027844 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 224027909 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.960% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224027911 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224027922 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 224027928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 224027929 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 224027947 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 224027950 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224039115 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039121 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.110% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224039124 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224039207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224039212 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224039229 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224039237 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 224039238 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039241 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224039844 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039848 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039850 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 224039856 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.690% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039858 |  |  |  |  |  |  |  |  |  | 13.400% |  |  |  | Appraisal |  |  |  |  |  |  | 13.400% |  |  | Desk Review |  |  |  |  |  | 15.620% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039859 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.000% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039861 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039865 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 224039871 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 224039873 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.690% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039874 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 224039875 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039877 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 224039878 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 224039879 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -4.660% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039881 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039884 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 224039888 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039889 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039891 |  |  |  |  |  |  |  |  |  | 10.840% |  |  |  | Appraisal |  |  |  |  |  |  | 10.840% |  |  | Desk Review |  |  |  |  |  | 3.610% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039899 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224039900 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.500% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224039905 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224047117 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224048014 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 224048075 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.00 |
| 224048110 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224048185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224048222 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224058207 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 224058253 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224058259 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224058299 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224058303 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224058305 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224058319 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 224058359 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 224065185 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224065273 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224065301 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 224065311 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 224065321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224065330 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224083988 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.70 |
| 224084097 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224092487 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.740% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| 224101737 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 224101758 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224101794 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 224113176 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 224130321 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130386 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 224130640 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -6.180% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130644 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 2.160% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130645 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -7.510% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130648 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130649 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.770% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130651 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.650% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130652 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130654 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.670% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130658 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| 224130661 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 224130666 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.290% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130667 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.250% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130668 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.000% |  |  | Desk Review |  |  |  |  |  | -10.000% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130676 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -3.770% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130680 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 7.000% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130682 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 224130683 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.930% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130684 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.230% |  |  | Desk Review |  |  |  |  |  | 9.230% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130685 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130689 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 224130690 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 224130693 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.170% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130694 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 224130696 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -3.240% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130697 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 8.760% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130698 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.10 |
| 224130699 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 2.040% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130700 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 16.110% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130702 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.820% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130703 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.000% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130706 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130708 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.890% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130718 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 224130721 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.330% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130725 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 224130728 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 224130733 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 224130734 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 224130739 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.680% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130740 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.060% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130742 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130743 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 13.940% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130745 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 5.910% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130748 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| 224130749 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -7.550% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130750 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 224130751 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.750% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130753 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130755 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 224130756 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130759 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 9.000% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130760 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130764 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 2.820% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130765 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.360% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130769 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| 224130773 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224130778 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -7.370% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224130779 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -0.700% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224138566 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 224160885 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 224160917 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224160925 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.970% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224160928 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224160931 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 9.780% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| 224160935 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| 224160940 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 3.130% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224160952 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224160957 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 224160958 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224160959 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -1.050% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224160960 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 7.890% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224160961 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224160979 |  |  |  |  |  |  |  |  |  | 7.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.130% |  |  | Desk Review |  |  |  |  |  | -2.130% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224160985 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 224160987 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -2.000% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224161003 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -5.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224161004 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 6.000% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224161006 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 224161012 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -2.790% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224210087 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224210099 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.80 |
| 224210106 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224210115 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224210120 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.890% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224210128 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 224210131 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 12.900% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 224243525 |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -6.280% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.5

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.5**

![](situslogo.jpg)

---

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| **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** | **Run Date - 11/7/2025 9:10:04 AM** |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **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** | **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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 221419395 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221419395 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221419395 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221805487 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221805487 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221821894 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221821894 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221821894 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221821894 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.02 |  |  | 9.841% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.1 |  |  | 17.747% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.1 |  |  | -5.817% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.04 |  |  | 2.564% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.07 |  |  | 6.522% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.03 |  |  | -2.759% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.03 |  |  | 0.833% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 221928152 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.16 |  |  | -2.667% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222063644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 222063644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.01 |  |  | 2.162% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222063644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 222063644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 222063644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.15 |  |  | 9.286% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.16 |  |  | 8.372% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 222122995 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 222144504 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222144504 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222328714 |  |  |  |  |  |  |  |  | 21.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.03 |  |  | -5.000% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222328714 |  |  |  |  |  |  |  |  | 15.510% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.04 |  |  | 0.816% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222328714 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 222328714 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 222328714 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 222533223 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222533223 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222886805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222886805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222886805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222886805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222886805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222959657 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 222959657 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 11.765% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223168900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.172% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.452% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.143% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.841% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.113% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271542 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | -1.22% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.439% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271543 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.222% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271543 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.977% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271543 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271543 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.227% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271543 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.263% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223271561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 223314725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223339381 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223422078 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.12 |  |  | 21.818% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223422078 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.07 |  |  | 12.500% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223422078 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.04 |  |  | 3.636% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223422085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223422085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 223422085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223422085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223422085 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.07 |  |  | 5.333% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.05 |  |  | 1.905% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.3 |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.11 |  |  | 2.564% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223497687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.13 |  |  | 3.590% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.263% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.703% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.941% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.061% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536599 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223536599 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223536604 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223536604 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.412% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223536604 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.877% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 223536622 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536622 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223536622 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562227 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223562227 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | -5.41% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223730721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | -4.96% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.03 |  |  | -0.885% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.06 |  |  | -0.935% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  | 0.1 |  |  | -1.471% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 223888229 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 223934681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934681 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223934685 |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | Appraisal |  |  |  |  | -1.41% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.6

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.6**

![](situslogo.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 11/4/2025 12:53:38 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 221268425 |  |  |  |  | # of Units | 2 | 3 | Verified | Field value reflects source document |
| 221928152 |  |  |  |  | # of Units | 17 |  | Verified | Field value reflects source document |
| 222122995 |  |  |  |  | # of Units | 12 |  | Verified | Field value reflects source document |
| 223314725 |  |  |  |  | # of Units | 1 |  | Verified | Field value reflects source document |
| 223536599 |  |  |  |  | # of Units | 2 |  | Verified | Field value reflects source document |
| 223562227 |  |  |  |  | # of Units | 2 |  | Verified | Field value reflects source document |
| 223730721 |  |  |  |  | # of Units | 7 |  | Verified | Field value reflects source document |
| 223995424 |  |  |  |  | # of Units | 3 | 2 | Verified | Field value reflects source document |
| 224130676 |  |  |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 224130700 |  |  |  |  | # of Units | 1 | 3 | Verified | Field value reflects source document |
| 224210106 |  |  |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| 224210131 |  |  |  |  | # of Units | 2 | 4 | Verified | Field value reflects source document |
| 224243525 |  |  |  |  | # of Units | 3 | 2 | Verified | Field value reflects source document |
| 222254083 |  |  |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223795390 |  |  |  |  | Amortization Type | ARM | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 221268425 |  |  |  |  | Appraisal As-Is Value |  |  | Verified |  |
| 223536599 |  |  |  |  | Appraised Value |  |  | Verified |  |
| 223536610 |  |  |  |  | Appraised Value |  |  | Verified |  |
| 223717124 |  |  |  |  | As-Is Value Used For LTV Calculation |  |  | Verified |  |
| 223995361 |  |  |  |  | As-Is Value Used For LTV Calculation |  |  | Verified |  |
| 224039858 |  |  |  |  | As-Is Value Used For LTV Calculation |  |  | Verified |  |
| 224039891 |  |  |  |  | As-Is Value Used For LTV Calculation |  |  | Verified |  |
| 224160979 |  |  |  |  | As-Is Value Used For LTV Calculation |  |  | Verified |  |
| 220706689 |  |  |  |  | Borrower Citizenship | US Citizen | Non-Permanent Resident Alien | Verified | Field value reflects source document |
| 221268425 |  |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| 221821894 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222046975 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222081408 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222111822 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222144504 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222163525 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222193029 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222201186 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222230418 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222246435 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222356862 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222363081 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222414152 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222423754 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222456644 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222457012 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222461652 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222467107 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222467147 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222524076 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222533223 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222550315 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222621796 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222627400 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222653920 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222662475 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222662476 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222680458 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222752540 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222764647 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222803422 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222834091 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222886805 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222888528 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222888547 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222901462 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222901778 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222906934 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222913498 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222952943 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222958513 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222959657 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222961605 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222961611 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222961612 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222962181 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222962239 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 222981690 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223002553 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223040016 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223041331 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223050120 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223056592 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223134865 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223168622 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223171874 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223187138 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223195094 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223195132 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223235646 |  |  |  |  | Borrower First Name |  |  |  |  |
| 223235835 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223235840 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223294482 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223294550 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223306327 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223306377 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223309465 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223314667 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223314680 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223314705 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223314725 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223364526 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223388196 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223390346 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223427543 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223449216 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223457360 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223459000 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223468992 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223553737 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223553741 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223555000 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223560892 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223592094 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223626355 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223626366 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223638519 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223687930 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223708851 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223708853 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223712580 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223744475 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223767475 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223812726 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223812815 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223815959 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223881501 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223892049 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223900823 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223904147 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223904333 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223915415 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223922748 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223934916 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223934998 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223935030 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223942423 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223950864 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223950887 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223950932 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223953182 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223953191 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223953197 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223956026 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223956032 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223963425 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223963593 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223972362 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223972530 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223972842 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223972851 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223972862 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223978863 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223979109 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223979136 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223979148 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223979743 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223979989 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223980088 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223980097 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223982690 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223982709 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223982738 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223982927 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995495 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995614 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995735 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995775 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995802 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 223995804 |  |  |  |  | Borrower First Name |  |  | Verified |  |
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| 224000203 |  |  |  |  | Borrower First Name |  |  | Verified |  |
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| 224065273 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224065321 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224065330 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224083988 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224084097 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224092487 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224101737 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224113176 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 224130321 |  |  |  |  | Borrower First Name |  |  | Verified |  |
| 221648196 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 221928105 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 221928152 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222122995 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222217619 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222672122 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222806203 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222930094 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222930105 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222930145 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 222930199 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223007839 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223007893 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223007896 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223007908 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223018839 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
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| 223180136 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223180155 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223333740 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223384430 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223422064 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223497650 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223497687 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223717116 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223717124 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223717205 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 223888100 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 223924917 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 223995291 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 223995384 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224039848 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224039900 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 224039905 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 224130654 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224130661 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 224130702 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224130745 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224130759 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 224130760 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224130764 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224130765 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224160928 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224160957 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 224160961 |  |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 221648196 |  |  |  |  | Borrower Full Name |  |  | Verified |  |
| 221765688 |  |  |  |  | Borrower Full Name |  |  | Verified |  |
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| 221805487 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223040016 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
| 223041331 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223168900 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223309465 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
| 223314667 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
| 223314725 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223745392 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223950864 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223950932 |  |  |  |  | Borrower Last Name |  |  | Verified |  |
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| 223384430 |  |  |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 223497650 |  |  |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
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| 224130750 |  |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
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| 224130750 |  |  |  |  | Interest Rate Life Min | 2 | 5 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 224160935 |  |  |  |  | Interest Rate Life Min | 2 | 5 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the ARM rider |
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| 224130321 |  |  |  |  | Investor: Qualifying Total Debt Ratio |  |  | Verified |  |
| 221821894 |  |  |  |  | Lender |  |  | Verified |  |
| 222144504 |  |  |  |  | Lender |  |  | Verified |  |
| 222533223 |  |  |  |  | Lender |  |  | Verified |  |
| 222886805 |  |  |  |  | Lender |  |  | Verified |  |
| 222906934 |  |  |  |  | Lender |  |  | Verified |  |
| 222959657 |  |  |  |  | Lender |  |  | Verified |  |
| 222961605 |  |  |  |  | Lender |  |  | Verified |  |
| 222961611 |  |  |  |  | Lender |  |  | Verified |  |
| 222961612 |  |  |  |  | Lender |  |  | Verified |  |
| 223041331 |  |  |  |  | Lender |  |  | Verified |  |
| 223056592 |  |  |  |  | Lender |  |  | Verified |  |
| 223168622 |  |  |  |  | Lender |  |  | Verified |  |
| 223309465 |  |  |  |  | Lender |  |  | Verified |  |
| 223338468 |  |  |  |  | Lender |  |  | Verified |  |
| 223388196 |  |  |  |  | Lender |  |  | Verified |  |
| 223449216 |  |  |  |  | Lender |  |  | Verified |  |
| 223744475 |  |  |  |  | Lender |  |  | Verified |  |
| 221845361 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222057360 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222111822 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222122553 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222163525 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222467107 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222533294 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 222748978 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223013235 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223128021 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223195094 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223224340 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223314705 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223314725 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223364456 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223390346 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223507039 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223512389 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223554028 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223591726 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223592094 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223623522 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223626355 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223687930 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223708830 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223708850 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223717512 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223742779 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223745350 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223751345 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223757262 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223757267 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223779136 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223782516 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223795390 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223797407 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223806134 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223812726 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223812815 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223815933 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223815959 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223860010 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223878306 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223888526 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223891823 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223891917 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223891930 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223892003 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223900949 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223900984 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223901003 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223904109 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223913717 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223915494 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223915868 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223922744 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223922786 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223922812 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223922894 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223925676 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223934916 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223945818 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223946413 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223950864 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223953181 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223953182 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223956071 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223963270 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223963425 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223972842 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223972851 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223972867 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223977340 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223977866 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978355 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978685 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978686 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978690 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978692 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223978794 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979104 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979136 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979148 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979163 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979725 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223979743 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223980097 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982694 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982709 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982718 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982738 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982739 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982740 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223982745 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223992976 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223992978 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223992979 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223992981 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223993138 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223993206 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223993412 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995464 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995534 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995613 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995614 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995626 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 223995804 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224000126 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224000196 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224000269 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224000384 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224000615 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224003371 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224012375 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224012376 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224012505 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224012533 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224013357 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224013361 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224013395 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224020936 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224021086 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224021185 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224021225 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224027658 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224027909 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224039229 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224039237 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224058259 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224058319 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224058359 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 224065311 |  |  |  |  | LTV Valuation Value |  |  | Verified |  |
| 221268425 |  |  |  |  | Maturity Date |  |  | Verified |  |
| 221424202 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 221845361 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 221845384 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 221845532 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222046975 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222055559 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222057360 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222144843 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222163525 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222230418 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222270447 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222313494 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222356862 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222456700 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222457012 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222467107 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222467147 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222500892 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222524076 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222533294 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222607142 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222653920 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222662423 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222662475 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222662476 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222680450 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222680458 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222695401 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222695486 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222696329 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222703959 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222726522 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222733979 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222734013 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222735184 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222748978 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222760299 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222803422 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222888528 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222888547 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222894659 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222894671 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222894673 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222901462 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222913498 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222922306 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222958513 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 222981690 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223013235 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223016557 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223050120 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223050122 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223171874 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223171942 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223171965 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223171970 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 223189876 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223195094 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223260557 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223303262 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223306377 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223314705 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223339374 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223364456 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223367551 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223367566 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223367573 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223378781 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223427507 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223427521 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223427543 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223431866 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223431884 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223441636 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223457341 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223457362 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223459272 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223464763 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223464764 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223469323 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223469380 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223478570 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223507039 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223507044 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223507410 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223512389 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223541808 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223554028 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223560892 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223591726 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223591767 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223592094 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223623413 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223623522 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223623593 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223623596 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223626285 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638382 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638412 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638427 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638432 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638456 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223638473 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223652145 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223687594 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223687849 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223694978 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223708792 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223708832 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 223708853 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223709103 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223709167 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223712527 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223712580 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223717508 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223717674 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223725607 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223742779 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223745350 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223745392 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223751328 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223751345 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223757262 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223767496 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223767514 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223770335 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223770410 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223779136 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223779152 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223779159 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223779162 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223782516 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223789853 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792468 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792470 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223792522 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223797400 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223806134 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223815940 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223815959 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223816114 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223851637 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223860039 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223861138 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223861180 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223878156 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223878216 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223878306 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223878311 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223878323 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223881497 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223881501 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223881512 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223888526 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223888668 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223891917 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223891933 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223892003 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223892031 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223892037 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223892041 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223900379 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223900823 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223900880 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223900949 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223900998 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223901003 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223901252 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223901261 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223901268 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223903991 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223904109 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223904158 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223904333 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223913684 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223915415 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223915494 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223915868 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223915957 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223915965 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223922744 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223922748 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223922786 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223922799 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223925682 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223925687 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223934950 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223935030 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223941551 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223945550 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223945562 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223945818 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223946361 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223946392 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223946421 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223946424 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223950213 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223950842 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223950864 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223950887 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953182 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953186 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953191 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953194 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953197 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953424 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953426 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223953492 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223953505 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223953512 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223956026 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223956027 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223956038 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223963038 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223963270 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223963271 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223963590 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223963635 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223963640 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223972362 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223972849 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223972851 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223972862 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223972867 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223977866 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223978856 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223979716 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223979740 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223979747 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223979989 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223980093 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223982690 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223982695 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 223982750 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223982853 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223993158 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223993205 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223993206 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223993508 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223995465 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223995668 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223995742 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223995751 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224000196 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224000359 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224000384 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224000389 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224000620 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224003336 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224003431 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224012374 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224012375 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224012386 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224012495 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224012505 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224012508 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224012518 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224013009 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224013310 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224013361 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224013402 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224013403 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224020881 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224020882 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224020905 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224020918 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021000 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021053 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021055 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224021073 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224021086 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021101 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021151 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Alternate format, not a true discrepancy |
| 224021185 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021219 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224021225 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027628 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027651 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027705 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027712 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027782 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Security Instrument |
| 224027844 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027911 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027928 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224027929 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224039121 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224039229 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224039238 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224039241 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224048075 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224048110 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224048222 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224058253 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224058305 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224065273 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224065301 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224065321 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224083988 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224084097 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224101737 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224101758 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 224113176 |  |  |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 221268425 |  |  |  |  | Note Date |  |  | Verified |  |
| 222653217 |  |  |  |  | Note Date |  |  | Verified |  |
| 222894439 |  |  |  |  | Note Date |  |  | Verified |  |
| 222979643 |  |  |  |  | Note Date |  |  | Verified |  |
| 223271561 |  |  |  |  | Note Date |  |  | Verified |  |
| 223536585 |  |  |  |  | Note Date |  |  | Verified |  |
| 223934672 |  |  |  |  | Note Date |  |  | Verified |  |
| 221648196 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 221928105 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 221928152 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222122995 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222217619 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222328714 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222423754 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222672122 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222806203 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222886805 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222906934 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222930094 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222930105 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222930145 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222930199 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 222959657 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223007839 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223007893 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223007896 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223007908 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223018839 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223041331 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223056592 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223127247 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223168900 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223180136 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223180155 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223224340 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223333740 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223384430 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223387309 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223390346 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223422085 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223449216 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223497650 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223562307 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223687930 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223708830 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223708850 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223708858 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223717512 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223730720 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223795390 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223797407 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223812815 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223814237 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223814324 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223860010 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223888137 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223888526 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223891930 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223892003 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223922812 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223922894 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223924945 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223925676 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223945762 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223993412 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223995258 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223995402 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223995422 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 223995804 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224027626 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224039844 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224039889 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224039891 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130654 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130739 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130745 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130748 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130750 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224130764 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224160917 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224160987 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224210087 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224210128 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 224210131 |  |  |  |  | Original CLTV |  |  | Verified |  |
| 221845532 |  |  |  |  | Original Interest Rate | 8.875 | 8.25 | Verified | Field Value reflects the Note value |
| 222414152 |  |  |  |  | Original Interest Rate | 7.375 | 7.625 | Verified | Field Value reflects the Note value |
| 222467107 |  |  |  |  | Original Interest Rate | 8.5 | 9.125 | Verified | Field Value reflects the Note value |
| 222467147 |  |  |  |  | Original Interest Rate | 8.625 | 8.875 | Verified | Field Value reflects the Note value |
| 223339381 |  |  |  |  | Original Interest Rate | 7.75 | 7.5 | Verified | Field Value reflects the Note value |
| 223708850 |  |  |  |  | Original Interest Rate | 7.25 | 7.375 | Verified | Field Value reflects the Note value |
| 223709103 |  |  |  |  | Original Interest Rate | 8.5 | 8.25 | Verified | Field Value reflects the Note value |
| 223712580 |  |  |  |  | Original Interest Rate | 7.75 | 9.375 | Verified | Field Value reflects the Note value |
| 223717512 |  |  |  |  | Original Interest Rate | 7.625 | 8.375 | Verified | Field Value reflects the Note value |
| 223757262 |  |  |  |  | Original Interest Rate | 7 | 6.875 | Verified | Field Value reflects the Note value |
| 223767514 |  |  |  |  | Original Interest Rate | 7.625 | 7.875 | Verified | Field Value reflects the Note value |
| 223789853 |  |  |  |  | Original Interest Rate | 8.5 | 8.375 | Verified | Field Value reflects the Note value |
| 223812815 |  |  |  |  | Original Interest Rate | 6.125 | 6 | Verified | Field Value reflects the Note value |
| 223860010 |  |  |  |  | Original Interest Rate | 7.5 | 7.25 | Verified | Field Value reflects the Note value |
| 223942439 |  |  |  |  | Original Interest Rate | 7.625 | 7.875 | Verified | Field Value reflects the Note value |
| 223982739 |  |  |  |  | Original Interest Rate | 6.99 | 6.875 | Verified | Field Value reflects the Note value |
| 224020881 |  |  |  |  | Original Interest Rate | 7.5 | 7.625 | Verified | Field Value reflects the Note value |
| 222144504 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 222423754 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 222959657 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223294550 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223314705 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223387309 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223469323 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223687930 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223708850 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223708858 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223717512 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223744475 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223797407 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223812815 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223860010 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223891917 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223891930 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223892003 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223913695 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223922812 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223953181 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223963635 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223963655 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223992979 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223992981 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 223995464 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 224000615 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 224021092 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 224027626 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 224027658 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 224058359 |  |  |  |  | Original Loan Amount |  |  | Verified |  |
| 222423754 |  |  |  |  | Original LTV |  |  | Verified |  |
| 222886805 |  |  |  |  | Original LTV |  |  | Verified |  |
| 222906934 |  |  |  |  | Original LTV |  |  | Verified |  |
| 222959657 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223041331 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223056592 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223168900 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223224340 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223387309 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223390346 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223449216 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223536610 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223687930 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223708830 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223708850 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223708858 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223717512 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223795390 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223797407 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223812815 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223860010 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223888526 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223891930 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223892003 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223922812 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223922894 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223925676 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223993412 |  |  |  |  | Original LTV |  |  | Verified |  |
| 223995804 |  |  |  |  | Original LTV |  |  | Verified |  |
| 224027626 |  |  |  |  | Original LTV |  |  | Verified |  |
| 224130750 |  |  |  |  | Original LTV |  |  | Verified |  |
| 224160987 |  |  |  |  | Original LTV |  |  | Verified |  |
| 221268425 |  |  |  |  | Original P&I |  |  | Verified |  |
| 222724925 |  |  |  |  | Original P&I |  |  | Verified |  |
| 223431802 |  |  |  |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 221928105 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 222806203 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 222930094 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223007839 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223007908 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223018839 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223180136 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223333740 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223717116 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223717143 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223717205 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223761615 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223814218 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223814237 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223814269 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223814287 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223814297 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223888100 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223888150 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223888196 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223888207 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223888229 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223924862 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223924877 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223924917 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223924945 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223945775 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223995263 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223995292 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223995354 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223995371 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223995420 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224039844 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224039848 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224039856 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224039859 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224039861 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224039905 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130640 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130648 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130667 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130668 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130680 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130683 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130689 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130694 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130696 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130697 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Alternate format, not a true discrepancy |
| 224130698 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130702 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130703 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224130740 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130751 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224130769 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224160928 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224160931 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224160979 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224161006 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 224210087 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224210099 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 224210120 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Per QM Worksheet/Hud-1/Broker Notice |
| 224210128 |  |  |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 221928152 |  |  |  |  | Origination Company Name |  |  |  |  |
| 222063644 |  |  |  |  | Origination Company Name |  |  |  |  |
| 222122995 |  |  |  |  | Origination Company Name |  |  |  |  |
| 222328714 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223018839 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223422064 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223422078 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223422085 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223497687 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223717116 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223761604 |  |  |  |  | Origination Company Name |  |  |  |  |
| 223814237 |  |  |  |  | Origination Company Name |  |  | Verified |  |
| 223888081 |  |  |  |  | Origination Company Name |  |  | Verified |  |
| 223995361 |  |  |  |  | Origination Company Name |  |  | Verified |  |
| 224039900 |  |  |  |  | Origination Company Name |  |  | Verified |  |
| 224130759 |  |  |  |  | Origination Company Name |  |  | Verified |  |
| 222735184 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 222922306 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223171965 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223260557 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223367551 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223457341 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223626285 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223816114 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223878306 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 223891917 |  |  |  |  | Originator Application Date |  |  | Verified |  |
| 221268425 |  |  |  |  | Other Financing Junior Total Original Loan Amount |  |  | Verified |  |
| 222457012 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222607142 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222670659 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222680331 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222760299 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222894659 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222894671 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222894673 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222922306 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 222927192 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223016557 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223134865 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223314680 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223367566 |  |  |  |  | PMI Coverage % | 30 |  | Verified | Field value reflects source document |
| 223427507 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223427521 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223431866 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223441636 |  |  |  |  | PMI Coverage % | 25 |  | Verified | Field value reflects source document |
| 223638432 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223708832 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223712497 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223892031 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223904159 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223978355 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Alternate format, not a true discrepancy |
| 223993206 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 224012494 |  |  |  |  | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 224027929 |  |  |  |  | PMI Coverage % | 0 |  | Verified | DSCR Loan |
| 222724925 |  |  |  |  | Prepayment Penalty | 1 | 0 | Verified | Note in file does not indicate there is a PPP on subject loan. |
| 223536622 |  |  |  |  | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 223934669 |  |  |  |  | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 222144504 |  |  |  |  | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222724925 |  |  |  |  | Prepayment Penalty Period (months) | 36 |  | Verified | Note in file does not indicate there is a PPP on subject loan. |
| 223168622 |  |  |  |  | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223309465 |  |  |  |  | Prepayment Penalty Period (months) | 60 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223449216 |  |  |  |  | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223934669 |  |  |  |  | Prepayment Penalty Period (months) | 36 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 221268425 |  |  |  |  | Prepayment Terms |  | 5%, 4%, 3%, 2%, 1% | Verified | "The Bid Tape Field Value was not provided." |
| 222653217 |  |  |  |  | Prepayment Terms | 5%, 4%, 3%, 2%, 1% |  | Verified | Field Value reflects 'PrePayment Terms' per the Note |
| 221419395 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 221805487 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 221821894 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222144504 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222533223 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222886805 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 222906934 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222959657 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 222961605 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222961611 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 222961612 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223041331 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223056592 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223168622 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223168900 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223309465 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223338468 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223388196 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223449216 |  |  |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223744475 |  |  |  |  | Product Description | DSCR 3 Fixed 30 (Released) | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 221821894 |  |  |  |  | Property Type | Single Family Detached |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222111822 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222144504 |  |  |  |  | Property Type | 2 Family |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222163525 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222203815 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222208556 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222270447 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222302836 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222356862 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222363081 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222414152 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222456644 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222533223 |  |  |  |  | Property Type | Single Family Detached |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222533294 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222550315 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222550483 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222607142 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222662423 |  |  |  |  | Property Type | Single Family Detached | PUD |  |  |
| 222662476 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222680450 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222726464 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222726522 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222752540 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222760299 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222764647 |  |  |  |  | Property Type | Condo (Low Rise) | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222886805 |  |  |  |  | Property Type | Condo |  | Verified | Multiple Property Loan |
| 222892417 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222894671 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222922306 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222959657 |  |  |  |  | Property Type | Single Family Detached |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223013235 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223056592 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223128021 |  |  |  |  | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223171942 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223171960 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223195094 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223195132 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223224340 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223294482 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303469 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303539 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223306327 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223310763 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223314667 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223314725 |  |  |  |  | Property Type | Single Family Detached |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223339374 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223364526 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223367551 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223427543 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223441636 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223457362 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223459000 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223536599 |  |  |  |  | Property Type | Single Family |  | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223536620 |  |  |  |  | Property Type | Single Family | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223538289 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223554028 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223592094 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223596356 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223623596 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223626205 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223626341 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223652028 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687930 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223708850 |  |  |  |  | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223712497 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223725607 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223744475 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223745350 |  |  |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223745392 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223751330 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223757262 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223767536 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223770410 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223779162 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792522 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223806134 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223888564 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223891933 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223901252 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223903991 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223904112 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223904333 |  |  |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223913717 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223915868 |  |  |  |  | Property Type | Condo (Low Rise) | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223922748 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223934998 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223941551 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223942439 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223945550 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223946421 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223953191 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223956076 |  |  |  |  | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223963038 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223963265 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223963425 |  |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223963500 |  |  |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223972842 |  |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223972867 |  |  |  |  | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978361 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978685 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978690 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978692 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223978863 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223979148 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223979716 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223979725 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223979743 |  |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223980097 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982709 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982718 |  |  |  |  | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982738 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982739 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982740 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982745 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982762 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982868 |  |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982889 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223982910 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223992979 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223993138 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223993206 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223993218 |  |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223995465 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223995742 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223995775 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223995802 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224000196 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224000359 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224000389 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224003336 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012375 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012376 |  |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012494 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012508 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012518 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224012533 |  |  |  |  | Property Type | Single Family Detached | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224013357 |  |  |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224020936 |  |  |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224021101 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224021151 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224021185 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224027651 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224027947 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224027950 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224058259 |  |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224065330 |  |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224210106 |  |  |  |  | Property Type | Multi Family | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222122995 |  |  |  |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223562227 |  |  |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223934672 |  |  |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 221810648 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 222122995 |  |  |  |  | Refi Purpose | Cash-out |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 222144504 |  |  |  |  | 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 |
| 222533223 |  |  |  |  | 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 |
| 222834091 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 222894659 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223235646 |  |  |  |  | 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 |
| 223238490 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223367551 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223431802 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223553741 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223687928 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| 223687930 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| 223888564 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| 223904635 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| 223922894 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223945765 |  |  |  |  | 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 |
| 223956031 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 223963500 |  |  |  |  | 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 |
| 223963593 |  |  |  |  | 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 |
| 223972530 |  |  |  |  | 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 |
| 224020841 |  |  |  |  | Refi Purpose | Limited Cash-out GSE | 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 |
| 224027758 |  |  |  |  | Refi Purpose | Cash-out - Debt Consolidation | 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 |
| 224039856 |  |  |  |  | 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 |
| 224130743 |  |  |  |  | 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 |
| 221424202 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 221821894 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222183461 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222300358 |  |  |  |  | Representative FICO |  |  | Verified | Guarantor is a foreign national |
| 222300359 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222300361 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222631819 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222927192 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222959657 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223041331 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223171874 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223195094 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223310763 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223388196 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223554028 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223744475 |  |  |  |  | Representative FICO |  |  | Verified | Unable to verify due to missing information |
| 223751330 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223859978 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223891922 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223901003 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223904109 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223915965 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223934672 |  |  |  |  | Representative FICO |  |  | Verified | The Bid Tape Field Value was not provided. |
| 223934674 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223942439 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223950876 |  |  |  |  | Representative FICO |  |  | Verified | per guidelines |
| 223953424 |  |  |  |  | Representative FICO |  |  |  |  |
| 223977340 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223978690 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223978692 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223978794 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223980088 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223982709 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223982868 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223982910 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223993158 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223995742 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224012375 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224130734 |  |  |  |  | Representative FICO |  |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
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| 224000620 |  |  |  |  | Street |  |  | Verified |  |
| 224003371 |  |  |  |  | Street |  |  | Verified |  |
| 224012485 |  |  |  |  | Street |  |  | Verified |  |
| 224013322 |  |  |  |  | Street |  |  | Verified |  |
| 224013330 |  |  |  |  | Street |  |  | Verified |  |
| 224021225 |  |  |  |  | Street |  |  | Verified |  |
| 224039241 |  |  |  |  | Street |  |  | Verified |  |
| 224047117 |  |  |  |  | Street |  |  | Verified |  |
| 221268425 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 221845361 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 221845384 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 221928152 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222046975 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222057360 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222063644 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222111822 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222144843 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222183461 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222208566 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222246435 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222302836 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222328714 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222363081 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222414152 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222454752 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222467147 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222524076 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222533294 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222550315 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222621796 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222627400 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222631819 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222653920 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222662423 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222662476 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222670659 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222680458 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222695486 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222696329 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222703959 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222703963 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222726522 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222834091 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222894439 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222952943 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222962181 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 222962239 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223002553 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223040016 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223050120 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223115488 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223128021 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223134865 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223180222 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223189728 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223195094 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223224345 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223235835 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223235840 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223238490 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223260418 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223294482 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223294550 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223303244 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223303469 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223303670 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223306327 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223314725 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223339381 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223362162 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223364526 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223387309 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223390346 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223422085 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223431787 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223431802 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223464730 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223468992 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223497687 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223512451 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223536591 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223536620 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223553737 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223555000 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223560892 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223591744 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223626186 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223626205 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223626341 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223626355 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223626366 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223638382 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223638432 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223638519 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223652728 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223687930 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223708850 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223709104 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223712527 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223712580 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223751328 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223759109 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223767464 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223767475 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223767496 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223767536 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223789845 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223797393 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223797407 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223812726 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223812815 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223814297 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223814324 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223815959 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223866385 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223878291 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223878311 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223881512 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223888229 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223888535 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223888564 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223888668 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223888694 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223891823 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223892003 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223892049 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223900367 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223900823 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223904333 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223904635 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223915774 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223922812 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223925687 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223934672 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223934916 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223934998 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223935026 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223945762 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223946424 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223950213 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223950864 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223950887 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223953181 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223953182 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223953197 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223956026 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223956038 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223963265 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223963425 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223963635 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223972842 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  |  |  |
| 223972851 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223977866 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223979109 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223979989 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223982740 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223982927 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223992981 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223993089 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223993138 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223993206 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223993400 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223993508 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995291 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995332 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995424 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995464 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995519 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995614 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995742 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 223995804 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224000048 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224000203 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224003388 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224012494 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224012520 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224012533 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224012538 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224013312 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224013330 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224013357 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224013395 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224013397 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224020905 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224021074 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224021086 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224021092 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224021093 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224027909 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224027922 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224027929 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224027947 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039115 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039121 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039124 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039212 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039238 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224039875 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224048110 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224058253 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224058259 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224058299 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224058359 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224065311 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224065321 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224065330 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224083988 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224092487 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224101758 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224101794 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130321 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130386 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130696 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130700 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130740 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130745 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130756 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224130759 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224160931 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 224161004 |  |  |  |  | Subject Debt Service Coverage Ratio |  |  | Verified |  |
| 221268425 |  |  |  |  | Total Cash-out |  | 0.00 | Verified | "The Bid Tape Field Value was not provided." |
| 221928105 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 221928152 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222063644 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222122995 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222328714 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222806203 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222930094 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222930145 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 222930199 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223007839 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223007893 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223007896 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223018839 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223127247 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223180136 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223422064 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223422078 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223422085 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223497687 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223543793 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223761615 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223761677 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223814220 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223814297 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223814324 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223888081 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223888150 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223888207 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223888229 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223924862 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223924941 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223924945 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223945775 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995268 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995277 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995281 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995291 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995328 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995331 |  |  |  |  | Total PITIA |  |  | Verified |  |
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| 223995355 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995361 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995387 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 223995399 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224039856 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224039875 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224039878 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130645 |  |  |  |  | Total PITIA |  |  | Verified |  |
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| 224130652 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130693 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130696 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130697 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130699 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130706 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130708 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130733 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130740 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130745 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130748 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130755 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130756 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130760 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130764 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224130778 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160917 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160925 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160928 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160931 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160952 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160958 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160959 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224160987 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224210087 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224210115 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 224243525 |  |  |  |  | Total PITIA |  |  | Verified |  |
| 221821894 |  |  |  |  | Zip |  |  | Verified |  |
| 222144504 |  |  |  |  | Zip |  |  | Verified |  |
| 222533223 |  |  |  |  | Zip |  |  | Verified |  |
| 222886805 |  |  |  |  | Zip |  |  | Verified |  |
| 222959657 |  |  |  |  | Zip |  |  | Verified |  |
| 223056592 |  |  |  |  | Zip |  |  | Verified |  |
| 223127247 |  |  |  |  | Zip |  |  | Verified |  |
| 223171960 |  |  |  |  | Zip |  |  | Verified |  |
| 223367566 |  |  |  |  | Zip |  |  | Verified |  |
| 223367573 |  |  |  |  | Zip |  |  | Verified |  |
| 223536599 |  |  |  |  | Zip |  |  | Verified |  |
| 223694978 |  |  |  |  | Zip |  |  | Verified |  |
| 223742779 |  |  |  |  | Zip |  |  | Verified |  |
| 223888136 |  |  |  |  | Zip |  |  | Verified |  |
| 223891930 |  |  |  |  | Zip |  |  | Verified |  |
| 223979716 |  |  |  |  | Zip |  |  | Verified |  |
| 224021101 |  |  |  |  | Zip |  |  | Verified |  |

---

## Exhibit 99.7

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

![](ex997002.jpg)

<br> **November 05, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex997003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **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 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 1 November 05, 2025

![](ex997003.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex997004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u><u> </u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex997004.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 dba "theLender", Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 14 residential loans.

Nomura Corporate Funding Americas, LLC subsequently purchased these loans via reliance letter and selected them for the NLT 2025-NQM1 transaction. The loans referenced in this narrative report were reviewed on a flow loan basis from September of 2024 to November of 2024. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 14 | 100.00% |
| &nbsp;&nbsp;**Total** | **14** | **100.00%** |

---

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 2 November 05, 2025

![](ex997003.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope  | &nbsp;&nbsp; # of Files Reviewed  |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;14 |

---

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review and data integrity check.

Loan Grading

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

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

![](ex997005.jpg)

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 3 November 05, 2025

![](ex997003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 14 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 the loan documentation found in the loan file to the origination guidelines;

&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 stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed
 asset statements in order to determine that funds to close and reserves were within origination
 guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed
 that credit scores (FICO) and credit histories were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated
 for 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed
 the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
 for condo warranty documentation, as applicable;

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (14 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, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (14 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. Loans were held to a -10% tolerance utilizing the following waterfall\*

● CU Score

● Desk Review

For further detail, please refer to the NLT 2025-NQM1 valuation summary report.

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 4 November 05, 2025

![](ex997003.jpg)

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; and

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 any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– 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 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA 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.

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 5 November 05, 2025

![](ex997003.jpg)

Following the June 15<sup>th</sup> 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 Nomura Corporate Funding Americas, LLC.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope where applicable in this transaction.

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

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

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

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.

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

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

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 payments

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 6 November 05, 2025

![](ex997003.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 14 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from seller/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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

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

**Data Compare Results** 

Clayton provided Nomura Corporate Funding Americas, LLC with a copy of the Loan Level Tape Compare Upload that shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 14 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| Borrower 1 Self Employed Flag | 1 | 92.86% |
| Borrower 2 First Name | 3 | 78.57% |
| Borrower 2 Last Name | 3 | 78.57% |
| Cash Reserves | 14 | 0.00% |
| Combined LTV | 1 | 92.86% |
| Disbursement Date | 1 | 92.86% |
| Months Reserves | 14 | 0.00% |
| Original Appraisal Date | 1 | 92.86% |
| Product Type | 1 | 92.86% |
| Property Type | 3 | 78.57% |
| Total Cash Out | 14 | 0.00% |

---

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 7 November 05, 2025

![](ex997003.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.

**<u>Initial and Final Overall Loan Grade Results (S&P)</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 | 4 | 3 | **13** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **2** | **4** | **3** | **14** |

---

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.

**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 13 |  |  |  | **13** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **13** | **1** | **0** | **0** | **14** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 5 | 1 | 4 | 3 | **13** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **2** | **4** | **3** | **14** |

---

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 8 November 05, 2025

![](ex997003.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 9 |  |  |  | **9** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **0** | **0** | **0** | **9** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (5 loans in pool)

**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. ASF
 Upload Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
 Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
 Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E
 Form

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 9 November 05, 2025

![](ex997003.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

&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

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&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

– 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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**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 2860 – 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

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○ 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:

– 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's certification is present and executed within the original appraisal.

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

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– 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

○ 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.

**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.

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**<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. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

○ 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").

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&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.

&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.

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● 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.

● 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 |  |

---

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

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

---

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

---

**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 |  |

---

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 18 November 05, 2025

![](ex997003.jpg)

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

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

---

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 19 November 05, 2025

![](ex997003.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.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

NLT 2025-NQM1 Due Diligence Narrative Report Page \| 20 November 05, 2025

## Exhibit 99.8

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **NLT 2025-NQM1** | **NLT 2025-NQM1** | **NLT 2025-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **14** | **14** | **14** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *14* | *14* | *14* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 351877646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0709 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0211 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0145 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351878378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.1111 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 2.1807 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351880442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.6275 | Yes | Yes | 4.995 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.77 | 37.48 | 37.77 | 37.48 | 37.48 | 37.48 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351876135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0053 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.3729 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351879684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 0.8528 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351876122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0007 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9696 | Yes | Yes | 0.713 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.87 | 42.53 | 42.53 | 42.53 | 42.53 | 42.53 | No | No | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | XXXXXX | No | XXXXXX | (No Data) | (No Data) | No | (No Data) | Yes | 56 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 56 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0085 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0262 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 351877735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | XXXXXX | No | XXXXXX | 1.0312 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.9

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.9**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **NLT 2025-NQM1** | **NLT 2025-NQM1** | **NLT 2025-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **14** | **14** | **14** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *14* | *14* | *14* |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 351877646 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 351877718 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 351877705 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351878378 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351877715 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 351880442 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16347.59 | XXXXXX | 9.6275 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 351876135 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 351877727 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351879684 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351876122 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351877599 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3495 | XXXXXX | 8.9696 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 351877690 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351877702 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 351877735 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.10

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | NLT 2025-NQM1 | NLT 2025-NQM1 | NLT 2025-NQM1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 9/17/2025 - 11/4/2025 | 9/17/2025 - 11/4/2025 | 9/17/2025 - 11/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 14 | 14 | 14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *14* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 351877646 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351877718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 351877705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351878378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351877715 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 351880442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351876135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351877727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 351879684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -4.27% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 351876122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351877599 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 351877690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 351877702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 351877735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

## Exhibit 99.11

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.11**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **NLT 2025-NQM1** |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** |
| **Deal Loan Count:** | **14** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *14* |
| ***Loans with Conditions:*** | *9* |
| **2 - Total Active Conditions** | **2 - Total Active Conditions** |
| **2 - Non-Material Conditions** | **2 - Non-Material Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: Assets |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: Property |
| **8 - Total Satisfied Conditions** | **8 - Total Satisfied Conditions** |
|  | 8 - Property Valuations Review Scope |
|  | 3 - Category: Appraisal |
|  | 5 - Category: FEMA |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **NLT 2025-NQM1** | **NLT 2025-NQM1** | **NLT 2025-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **14** | **14** | **14** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *14* | *14* | *14* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *9* | *9* | *9* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 351877646 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection since the XXX FEMA Disaster #XXX Hurricane XXX. | 10-16-24 Client uploaded PDI. | 10-17-24 Clayton reviewed PDI dated XXX with no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 351877718 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection since the XXX FEMA Disaster #XXX Hurricane XXX. | 10-16-24 Client uploaded PDI. | 10-17-24 Clayton reviewed PDI dated XXX with no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.42% is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $XXX = XXX months of reserves. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 years at current residence. |
| 351877705 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months piti reserves<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: DSCR: Gross Rents (1007) XXX/PITI XXX = XXX% DSCRPost close assets are XXX or XXX months piti reserves |
| 351878378 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months piti reserves. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. G/l max is 75% |
| 351877715 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantors have been at current residence for 7 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761 exceeds minimum required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage 7%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXX, XXXmonths reserves, 0 months required |
| 351880442 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short XXX cash reserves. XXX months cash reserves required at XXX. Cash reserves are XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.48 is below Guideline DTI of 43%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 10 years at current job<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal Consumer debts and no credit card debts |
| 351880442 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Investor concentration is 73% exceeds the max allowed of 60%. Lender's exception approval in file | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.48 is below Guideline DTI of 43%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 10 years at current job<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal Consumer debts and no credit card debts |
| 351876135 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support appraised value per Foreign National Matrix Appraisal requirement: "FNMA Form 1004, 1025, 1073 with interior/exterior inspection. CDA required unless 2nd appraisal obtained." | 9-20-24 Client uploaded CDA. | 9-20-24 Clayton reviewed CDA and updated all data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves XXX, XXX months reserves, XXX months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75% |
| 351877727 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection since the XXX FEMA Disaster XXX XXX | 10-2-24 Client uploaded PDI.10-21-24 Client uploaded updated PDI. | 10-3-24 Clayton reviewed PDI dated XXX with no damage. Exception satisfied. 10-21-24 Clayton reviewed updated PDI dated XXX with no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves XXX, XXX months reserves, XXX months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.3729 (Rent XXX/ Expenses XXX) |
| 351879684 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value as required per Foreign National Matrix as follows: CDA required unless 2nd appraisal obtained. | 11-5-24 Client uploaded CDA. 11-6-24 Client uploaded revised CDA. | 11-5-24 Clayton reviewed CDA which is dated XXX based on appraisal dated XXX for XXX. CDA does not support appraisal in the file by the same appraiser dated XXX for XXX Provide updated CDA based on the XXX Appraisal. Exception remains. 11-7-24 Clayton reviewed CDA at XXX value dated XXX based on the XXX appraisal at XXX. CDA within 10% tolerance is acceptable as an updated valuation supporting the appraised value. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves XXX, XXX months; XXX months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 14 years. |
| 351876122 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation (CDA) as required per Foreign National Matrix. "FNMA Form 1004, 1025, 1073 with interior/exterior inspection.CDA required unless 2nd appraisal obtained" | 9-25-24: client submitted desk review completed XXX, value XXX no issues.9-25-24: Clayton reviewed desk review, meets requirements, value supported. | 9-25-24: exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. G/l max is 75<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months piti reserves. XXX months required. |
| 351877599 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA221 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual) | No | No inspection since the XXX FEMA disaster XXX XXX | 10-14-24 Client uploaded PDI. | 10-14-24 Clayton reviewed PDI with inspection date XXX reflecting no damage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.9 years employed with XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 86 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months of reserves in file. |
| 351877690 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXX months of reserves in file. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 351877702 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have > XXX months PITIA above guideline minimum |
| 351877735 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since FEMA disaster XXX XXX. PDI Ordered, pending arrival. | 10.18.2024 PDI confirmed no damage to property. | 10.18.2024 Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.41 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years |

---

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **NLT 2025-NQM1** | **NLT 2025-NQM1** | **NLT 2025-NQM1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** | **9/17/2025 - 11/4/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **14** | **14** | **14** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *14* | *14* | *14* | *14* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *9* | *9* | *9* | *9* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 351877646 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 351877718 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 351877705 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 351878378 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 351877715 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 351880442 | Yes | XXXXXX | XXXXXX | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Not Applicable |
| 351876135 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 351877727 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | N/A | N/A | C | A | A | A | C | A | N/A | N/A | Not Applicable |
| 351879684 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 351876122 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 351877599 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 351877690 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 351877702 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 351877735 | Yes | XXXXXX | XXXXXX | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | No |

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## Exhibit 99.12

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.12**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |
| **Client Project Name:** | NLT 2025-NQM1 | NLT 2025-NQM1 | NLT 2025-NQM1 |  |
| **Start - End Dates:** | 9/17/2025 - 11/4/2025 | 9/17/2025 - 11/4/2025 | 9/17/2025 - 11/4/2025 |  |
| **Deal Loan Count:** | 14 | 14 | 14 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *14* | *14* | *14* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 351877646 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877646 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877646 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877718 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877718 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877718 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877705 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877705 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877705 | XXXXXX | Product Type | XXXXXX | XXXXXX |
| 351877705 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351878378 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351878378 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351878378 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877715 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877715 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877715 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351880442 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351880442 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 351880442 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351880442 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 351880442 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351876135 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351876135 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351876135 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 351876135 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877727 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 351877727 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 351877727 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 351877727 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877727 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877727 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351879684 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351879684 | XXXXXX | Combined LTV | 67.01 | 70.00 |
| 351879684 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351879684 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351876122 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351876122 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351876122 | XXXXXX | Property Type | SFR | Detached PUD |
| 351876122 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877599 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877599 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877599 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877690 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 351877690 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 351877690 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877690 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877690 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 351877690 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877702 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 351877702 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 351877702 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877702 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877702 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 351877735 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 351877735 | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 351877735 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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## Exhibit 99.13

[Nomura Asset Depositor Company, LLC ABS-15G](nomura-abs15g.htm)

**EXHIBIT 99.13**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **NLT 2025-NQM1** |
| **Start - End Dates:** | **9/17/2025 - 11/4/2025** |
| **Deal Loan Count:** | **14** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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